JPMORGAN CHASE CO.

2019-08-05

Panorama City, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-08-05

Garrett Park, MD

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: On XXXX XXXX, 2019, I processed a payment of {$530.00} for my credit card ( # XXXX ) balance. Forgetting that I had done this, on XXXX XXXX, 2019, I processed another payment of {$530.00}. Both payments were posted on XXXX XXXX, 2019, making my account going into the negative as a refund of {$530.00} was due to me from Chase. I called Chase and spoke to a representative. I explained to him that thus, has never happened before, as I normally get a system prompt that I am not able to process payment because there is a pending transaction. The representative explained that Chase will issue me a check in 7 for the overpayment amount of {$530.00}. I asked for an explanation for why the system allowed me to process a duplicate transaction, and pay against a XXXX balance. The representative informed me that they will send my account for review and see what went wrong. The following week, I was not able to use my chase card, as every time I used it, transactions were being denied. I called Chase on XXXX XXXX, 2019, and spoke with XXXX ( Account Supervisor ) from XXXX Arizona. He explained that my account went for review, and there were several transactions that were returned back in XXXX, 2019 ( XX/XX/XXXX, XXXX, and XXXX ) ; therefore, Chase decided to close my account on XX/XX/ 2019. I was very confused about this and explained to him that I already spoke to customer service in the past about this. I have been a long standing Chase customer for over 15 years, without a single delinquent and/or outstanding payments. I have two XXXX XXXX accounts associated to my Chase credit card, and the payments in XXXX were being posted against the wrong account, which I was confused, and called XXXX XXXX to find out. After discovering they were going to the wrong account, I changed the payment account in Chase and paid my balance. The three returned payments were the same transaction, as I was attempting to pay my credit card balance. When I discovered why the payments were being returned, I was able to pay off my credit card balance from the right account, and on time without any late fees. Also, keep in mind that I monitor my credit with Chase and have an excellent credit score ( over 800 score ). My credit limit with Chase was also increase last year. Chase refuses to reopen my account. Due to the undue hardship, and this being my longest credit account that has been closed, which have impacted my credit score.
Company Response: Closed with explanation

Timely Response

2019-08-05

San Antonio, TX

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company forcing arbitration
Complaint: Chase is making a change to its existing policy, forcing arbitration. I believed I was covered under the Military Lending Act but Chase said I do not qualify for it.
Company Response: Closed with explanation

Timely Response

2019-08-05

MI

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/XXXX early in the morning, my cell phone and debit card were stolen in XXXX Indiana. Between XXXX my debit card and iphone were used for over {$9000.00} in fraudulent charges. I realized on XX/XX/XXXX that my phone, online account and debit card had been compromised and immediately reported it to Chase. They opened a series of claims but only credited {$430.00} of the claims. Several weeks later all of the claims came back " closed '' saying " We found that the transaction was processed correctly or was authorized ''. After another attempt at filing claims through Chase 's Customer Claims Department I went to my branch manager who opened claim number XXXX on XX/XX/XXXX. {$9200.00} was credited back to my account. On XX/XX/XXXX I received a letter saying " We found that the transaction was processed correctly or was authorized '' and on XX/XX/XXXX the amount of XXXX was removed from my account. I reached out to the Customer Claims department and they said they would not investigate any further and I have not heard back from my branch manager.
Company Response: Closed with monetary relief

Timely Response

2019-08-05

Chester, NY

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation

Timely Response

2019-08-05

Hamburg, NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-08-05

Las Vegas, NV

Incorrect information on your report

Vehicle loan or lease: Loan

Old information reappears or never goes away
Complaint: Its on my credit account is doesn't belong to me report number JPMCB AUTO ACC # XXXX reporting incorrectly this account is not mine
Company Response: Closed with explanation

Timely Response

2019-08-05

Hewittsville, IL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-08-05

Mountain View, CA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-08-05

Hewittsville, IL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-08-05

New York, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-08-05

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-08-04

Chicago, IL

Fraud or scam

Money transfer, virtual currency, or money service: Refund anticipation check

Complaint: One week ago, someone walked into a Chase bank ( while I was out of town ). This person some was able to obtain my checking account info ( I presume w stolen, cancelled credit cards and my old ID ) and then completely drain my checking account. I called immediately when I saw the withdrawal from my account and I was told that since the debit was pending I needed to wait XXXX to XXXX hours to the transaction to clear. When it did the next day and I saw the scanned withdrawal form with my forged signature. I immediately called Chase and they told me they would send me a fraud packet and that hopefully I can recover the {$1300.00} from my paycheck. One week later, no packet, let alone a refund. My account is frozen. I couldn't make my rent or credit card payment in time due to this. I feel violated and appalled by all this.
Company Response: Closed with monetary relief

Timely Response

2019-08-04

Mililani, HI

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-08-04

Warwick, MD

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Multiple phone calls a day. I understand a few but I had 2 voicemails left on the same day. Plus I received a call right before the first voicemail at XXXX. VM at XXXX And received 6 calls that day. Days prior my wife receive multiple phone calls from them as well. Chase financial!
Company Response: Closed with non-monetary relief

Timely Response

2019-08-04

Boston, MA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: My card was charged in Fall of 2018 for charges in XXXX when I was in that country, I provided a copy of my passport which showed that I was not in the country when the charges were made.
Company Response: Closed with explanation

Timely Response

2019-08-03

Eureka, CA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-08-03

Jupiter, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/2018 I had water damage to my home XXXX one year ago ). Chase holds the mortgage. The insurance company has paid out to repair the damage, but Chase refuses to release funds. I've now paid for much of my contractor, flooring, countertops, etc and Chase refuses to release funds. I'm approximately {$40000.00} out of pocket while Chase holds approximately {$150000.00} of my insurance money in escrow. I've uploaded every document they've asked for, many of the documents multiple times. Sometimes, like on XX/XX/XXXX, I was told a check was coming for {$75000.00}. Then an hour later someone called from Chase and said they needed one more thing XXXX a signed contractor agreement because they couldn't read the signature ). I instantly uploaded what they asked for. Today, I called them and the first person said they would be paying as they had everything they needed, but we got disconnected when I wanted to ask about timing. I called back, waited on hold, and the new person told me they needed that same document but now with two signatures. This same process has happened again and again, where they say money is coming XXXX and it doesn't ) and I call back and they say they need one more thing. On more than one occasion, they haven't accepted a document and I resend the exact same document which then they accept. I've asked at least 5 times to talk to a manager or have a supervisor call me, which they always say the manger is too busy or I'll get a call back in 24 hours, but I never get the call. I believe Chase is intentionally holding my money as long as possible and this has nothing to do with the repair process.
Company Response: Closed with explanation

Timely Response

2019-08-03

Maiden Rock, WI

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: The balance on my XX/XX/2019 credit card ( ending XXXX ) statement was {$20000.00}. XXXX of this was 0 APR balance transfer. The rest is {$640.00} for purchases and fees. I paid XXXX dollars for this statement. XXXX dollars ( more than what I paid ) is applied to the 0-APR. So my 0-APR balance decreased by XXXX dollars. The high APR part is increased from XXXX to XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-03

San Gabriel, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: TWO WHOM IT MAY CONCERN I AM REPORTING J P MORGAN CHASE FOR DISCRIMINATION AND FOR CLOSING MY ACCOUNT DUE TO THE FACT OF THERE XXXX XXXX. AND THEY STILL OWE ME MONEY AND THEY KNOW IVE TALK TO THE COMPANY AND THEY WONT DO DO ANY THING ABOUT IT.
Company Response: Closed with explanation

Timely Response

2019-08-03

CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: My mother had a Chase freedom visa Card account and I was an authorized user. My mother passed away XX/XX/XXXX. I called Chase freedom visa card and told them about my mother passing in XX/XX/XXXX and faxed them her death certificate and chase told me I was not responsible for this account since I was not on the account but only an authorized user. This is now XX/XX/XXXX and I had my credit report run and found that Chase freedom visa card reported my mother 's account on my credit report as a discharge back in XX/XX/XXXX. I called Chase freedom visa card and spoke with XXXX who told me I am not responsible for this account and he has no idea how this ended up on my credit report. He would have this removed within five days and I will be sent notice of this removed off my credit report. It has been two weeks and I have not received anything in the mail as to this being removed off my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-03

Stevenson, MD

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: CHASE Card Services closed my Account arguing DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US. Because my Credit history and reports are impeccable, I do believe this was in reprisal for cancelling my wife 's and myself application for new VISA Cards. Such cards were suggested by MARRIOT Vacation Club agents ( BonVoy ) to gain points in the BonVoy Program that we also cancelled as explained below. The facts are as follows : 1. We ( My wife and I ) have hold a British Airways VISA card for the last 8 years. Since then, we have paid all our monthly balances in full and on time. The same is true for all and any of the credit cards that we currently have including CITI MasterCard, XXXX XXXX , XXXX XXXX XXXX XXXX VISA ( Debit ), XXXX XXXX VISA ( Debit ). 2. Our current credit score is XXXX, and we do not have any derogatory or delinquent items as the Chase letter suggests. 3. In the last week of XX/XX/2019, we purchased a new Marriot Vacation Plan ( BonVoy ) costing about {$45000.00}. The selling agent suggested to us to apply for individual Marriot VISA cards to " gain '' points that could be used to pay for vacations later. However, on XX/XX/2019, after testing the product and verifying that benefits described to us were not accurate, we decided to both cancelling purchase of the Plan and withdrawing application for new VISA cards. 4. On XX/XX/XXXX and XX/XX/XXXX we unsuccessfully tried to use out VISA cards, and on XX/XX/XXXX we received an unsigned notification stating that because of DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US, CHASE has closed our Credit Card account. Although I called the credit card customer services, they stated that they could not give us any information because that was a decision made by CHASE. 5. Since our Credit Card record is impeccable, and we do not have and haven't had any delinquent or derogatory items ever with this or any other credit card or any other organization, I have concluded that the CHASE action against us was taken in reprisal for cancelling our applications for new cards that were suggested by Marriot. 6. CHASE action resulted in embarrassing situations to my wife and myself when we were trying to pay for items we have purchased and CHASE denied payment without prior notice and subsequent refusal to provide us an explanation and identifying specific reason for their action.
Company Response: Closed with explanation

Timely Response

2019-08-03

NY

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: Hello, This is XXXX. This is a follow up complaint of XXXX, which I submitted to CFPB couple weeks ago. It is regarding the wire transfer of XXXX $ from XX/XX/2019. I am following this platform to submit my complaint, as the response is faster this way and my problem did not solve from prior complaint. This complaint is not to blame anyone involved, as I would take the blame myself to involve in the fraud or scam. Thank you Chase for the monetary gain of XXXX $ and fro your prompt response. I really appreciate it! I have few questions to discuss. This issue might seem very smaller to minimal for you, but it is a difficult situation to go through for me. 1. The response I got from earlier complaint was that when they asked the other company for the refund, it was informed that the funds are not available. However when I called the bank 2 days ago, they informed me that they are awaiting the response from the other bank. Could you please confirm that the bank responded saying that the funds are not available. 2. The wire transfer ( receiving message that it was successful ) and the check bouncing happened within 30 minutes. Ideally in this situation, you did the great job of freezing my account locked and one more ideal thing would have done is cancelling all the transactions including the wire transfers that happened less than 30 minutes ago or giving a call informing the fraud alert and whether to cancel the wire transfer. 3. I placed no overdraft protection ( for a reason to avoid overdraft fee from my past experience ). If I would have been a bank employee, I would be at consumer protection side, and at this circumstance, I would not make the customer go to a negative balance and instead would subtract XXXX $ from the wire that recently sent to avoid the negative balance for the customer. Atleast at such instance, the customer can take action immediately, as I only had 7,200+ $ in my account at that time. I would have saved at the least those XXXX $ and also the bank as well. I am not a rich person ( I am an XXXX who started working only last year ) to have more cash to immediately make it to positive balance and act on it. It took me a while to get the cash and make it active to act on the fraud. You would not have guessed how difficult it was for me to get that cash and make it to positive balance. And it is a huge amount to lose ( at least for me ), it was very traumatic and I was in denial to go through such phase. 4. The funds becoming available immediately after check deposit made me think that the check got processed successfully. I waited 2 days for the same reason to make sure if there is any error in the check would affect me. Again, I want to emphasize that it is not to blame anyone. I should have been more cautious in the process. Having said that, people like me, trust banks so much that they warn or help in such regards. I did both depositing the check and also wire transferring from the bank ( not from ATM or through electronic devices ), atleast if someone would have warned me that check verification process takes so and so days or the wire transfer process, I would have been more cautious. This whole incident has been very traumatic and as you may see my bank balance has been at alltime low since this happened. I opened an account in Chase after recommendations from many of my friends who mentioned it being very secure, less fraud or scam involvement with helpful people. Money can be earned again, but the faith and trust we have in our banks to get help when such incidents happen can not be earned again. I did complain to internet crime and FBI about this. Well, I don't think it will be much helpful as I had my immense trust only on the bank to get my funds back. Hence Kindly if the bank can help in this regard in any way that would be beneficial.
Company Response: Closed with explanation

Timely Response

2019-08-03

Northridge, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-08-03

Hinkley, CA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: The paperwork said the Seller gave a gift equity of {$50000.00} to the buyer. This is not correct. Now the seller owes {$28000.00} in taxes gor the {$50000.00} so called gift that was never given. The person doing the Lending paperwork did not explain the process and falsified amounts.
Company Response: Closed with explanation

Timely Response