JPMORGAN CHASE CO.

2019-08-03

UT

Incorrect information on your report

Mortgage: Other type of mortgage

Complaint: Company said they would just move my late payments to end of load 6 months later we were told we had to do a repayment program no other choice. Acid it wouldnt negatively affect our credit and would show current from the time of the repayment program and it showed past due until I finished the program
Company Response: Closed with explanation

Timely Response

2019-08-03

Tarzana, CA

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: On or around XX/XX/2019, I placed into dispute a {$90.00} charge on my Chase Bank credit card. On or around XX/XX/2019, Chase Bank re-billed this erroneous {$90.00} charge. I provided supporting documentation showing : 1. email confirmation from the merchant of the cancellation of the 2 items, and 2. chat transcript from the merchant confirming that a credit of {$90.00} was going back to my bank.
Company Response: Closed with monetary relief

Timely Response

2019-08-03

ID

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: We took a XXXX XXXX loan on our home in XXXX. Fell behind in XXXX. Have gone through many many many hoops trying to get help from them since XXXX when my husband passed away only to be denied. We have paid over XXXX dollars a month for 12 years to them ... Chase is now foreclosing. They have collected over XXXX XXXX dollars in the last 12 years and are saying we still owe them XXXX XXXX dollars. They say in their foreclosure complaint that the last payment was XX/XX/XXXX ... My last payment was made in XXXX of XXXX. HOW CAN THIS BE? HOW CAN THEY DO THIS TO PEOPLE?
Company Response: Closed with explanation

Timely Response

2019-08-03

Pasadena, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-08-03

Coral Gables, FL

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with non-monetary relief

Timely Response

2019-08-02

Greenwood, CA

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Complaint: Chase Bank closed two of my accounts on XX/XX/XXXX with no explanation, notice, or warning. After 28 days, Chase has provided no status on when I will be receiving my funds. Account 1 had {$13000.00} in it. Account Number : XXXX Account 2 had {$7600.00} in it. Account Number XXXX There was no fraud or other bad activity on this account. Chase is keeping the money so they can collect the interest on it. I have followed up with the bank numerous times only to be placed on hold for over an hour each time I call. Whenever I speak to a branch manager, I am told to call back in two weeks. Nothing has been resolved. Contact I have been dealing with : XXXX XXXX, branch manager. Phone : XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-02

Chula Vista, CA

Other transaction problem

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

Complaint: On XX/XX/2019 my rent in the amount of {$1500.00} was sent to the wrong person using Chase QuickPay in the mobile application. I contacted Chase to cancel the payment which was sent to a XXXX XXXX when it was intended for my landlord, XXXX XXXX. Chase representatives refused to cancel the payment and stated that they could instead file a courtesy claim but that there was no guarantee my money would be returned to me. I informed them that I attempted to contact the person the money was incorrectly sent to ( through text, email, and calls ) but that the person was not responding and will not respond. The person was someone I previously took to court and has been avoiding me since. As a result the incorrect person has my rent for the month, putting my housing at risk and Chase refuses to help retrieve my money.
Company Response: Closed with explanation

Timely Response

2019-08-02

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-08-02

CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-08-02

Chicago, IL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2019-08-02

Wonder Lake, IL

Improper use of your report

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

Reporting company used your report improperly
Complaint: Today I called in to request a credit line increase on my chase visa. The rep informed me there there would be A hard pull on my credit report. I agreed to the hard pull being completed. I was transferred to a credit analyst to ensure that the pull wasnt done on a frozen report. I was informed it was not. That they could preform a reconsideration as my request was declined. I agreed. He asked me for the credit line amount I was looking for, I indicated {$40000.00}. The reconsideration took according to my phone 39 minutes. The analyst asked me questions about a line of credit for {$200000.00} I explained that was my home equity line of credit. He then asked questions in regards to an 8.5 year old bankruptcy of which I explained. He then came back on the line several minutes later and asked about two XXXX XXXX loans. I explained they were student loans that I refinanced this year to get lower fixed rates from variable rates. He puts me on hold again, and comes back a few minutes later and tells me I am declined for to many inquiries and high utilization of revolving credit. I explained to him that most of the inquiries were related to a mortgage purchase in the past 90ndays. He mentioned ones from XXXX and XXXX, which were from refinancing my car loans, student loans, and home into better rates, which cut my interest expense per month by over {$2000.00}. And the revolving utilization was neatly all on my home equity line of credit ( Not factoring the HELOC my utilization is around 6 % ) He apologized and said my request was declined. After spending nearly {$150000.00} on there card and paying there balance in full, he could not approve me do to to many inquiries. When I got home, I got an alert that a second credit report was pulled by Chase. When applying for the increase the disclosure was read that indicated A credit report may be obtained. A report is defined as one, I had 2 pulled. The second report was not authorized and I would like the second inquiry removed as an error.
Company Response: Closed with explanation

Timely Response

2019-08-02

Key Biscayne, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX, I called Chase to request a loan payoff quote, valid for 45 days, for my primary mortgage. I was told that a work order had to be created, and I would receive the quote in 7 business days. On XX/XX/XXXX, after not receiving the payoff quote, I called Chase. I was told it was done, and that I should receive the payoff quote by XX/XX/XXXX. After not receiving it on the XXXX, I called again. This time I was told they had to send a work order. I then asked to receive it by email and was told that it would be requested. Four days later, on XX/XX/XXXX, after not receiving it by email, I called. I was then told they could not send it via email, but that it would be sent by regular mail. I was also told that I could go to a local Chase branch to have it printed out. I went to the Chase branch on XX/XX/XXXX, and a payoff quote was printed with a expiration date of XX/XX/2019 ... not the 45 days I requested. Furthermore, the payoff quote was incorrect as it reflected a PRA principal reduction amount that has been in forbearance for 6 years. Later that day, I called Chase to explain again that I needed a payoff quote valid for 45 days. I also explained that the PRA principle reduction amount in forbearance should be removed as my account has been in good standing for over 5 years. I was told I would be sent a new payoff quote, but the PRA forbearance amount would not be removed because my mortgage is not an FHA mortgage. I explained that according to the IRS an FHA mortgage is not required to have the forbearance amount reduced to XXXX after 3 years of keeping the account in good standing. I am still waiting to receive the payoff quote.
Company Response: Closed with explanation

Timely Response

2019-08-02

Sanders, KY

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: Have been in contact with this person since XX/XX/XXXX. XXXX : XXXX Informed us that the puppy was available for XXXX $ including shipping and health guarantee they prescreened me and sent me over the signed copy of Bill of Sale and Transfer of ownership papers so I can sign and send back Sent them XXXX $ via XXXX transfer on XX/XX/XXXX. then the Shipping company got back to me saying, the shipment of puppy is held back because the crate was not upto the standards and i could rent their crate for a refundable deposit of {$1500.00} to proceed, made this transfer via XXXX on XX/XX/XXXX. Today as of XX/XX/XXXX, I never received the puppy and the shipping agency is asking for XXXX $ as a refundable deposit for the pet insurance as some pet policy. Neither the shipping agency nor the shipper are responding to my calls or texts. After realizing that this is a scam made several calls trying to get help from customer protection from chase bank all they say is the transaction was made through 3rd party XXXX and they can not do anything about it
Company Response: Closed with explanation

Timely Response

2019-08-02

Coral Springs, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-02

FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: On XX/XX/19 I used XXXX to make a purchase and was scammed for {$500.00}. XXXX is the preferred quick pay method from my bank, Chase. This is supposed to be a supported and trusted app/partner to Chase, and I was under the assumption Chase and/or XXXX would provide protection similar to XXXX in order to have me use their app instead of XXXX - advertising this was a safe transaction. Within an hour of the transaction I called Chase to stop the transaction and they refused to stop it, even though the transaction is still in Pending status to report it, or provide any recourse to me. They would not stop or cover the amount of the transaction or even contact the scammers bank, XXXX XXXX to attempt to recoup funds. I called XXXX as well, they would not stop the transaction or reverse it, they said they would call XXXX XXXX to attempt to block the scammer from accessing the funds - however Chase and XXXX both refused to work with XXXX XXXX to attempt to get my money back. This is just a classic example of banks taking consumers money, but doing nothing to protect the consumer or their funds. Chase handled this awfully and I advise anyone who banks with Chase to stay far away from XXXX or Chases Quick Pay option. I refuse to recommend Chase or their services moving forward and intend to further pursue this issue by filing local and national XXXX complaints as well.
Company Response: Closed with explanation

Timely Response

2019-08-02

MA

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: this is a HELOC with a Separate account number NOT IN LITIGATION. JP Morgan Chase Bank, NA, I believe is trying to merge the first mortgage ( in litigation ) with this HELOC NOT IN LITIGATION by making the new investor the same collections as the first that is in litigation. This is an attempt to merge the HELOC NOT in litigation with the primary that is in litigation. TWO SEPARATE ACCOUNTS. Now JP Morgan Chase Bank NA is trying to illegally merge the two accounts in effort to commit acts of wrongful/illegal? banking practices. Please see attached showing two separate accounts being merged when the servicer of the primary mortgage Now Claims to be the new investor of the separate HELOC Not in litigation ... PLEASE SEE ALL ATTACHED!
Company Response: Closed with explanation

Timely Response

2019-08-02

Lewisville, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/XXXX around XXXX I went to an ATM with Chase Bank. I made 1 deposit in total, including a check and cash. The ATM ate my deposit and spit out a receipt with a number on it to call to make sure my deposit went through. I called, and they transferred me to the claim department. I made a claim. At the time, I couldnt remember my exact check amount, I guessed around XXXX for the check, and XXXX in cash that I was positive about. So they made a claim for XXXX. Not long after, my check for XXXX went through. I called them to let them know it went through, but that I was still missing my cash. They said its still under investigation. Time goes by and they put XXXX dollars of temporary credit on my account, on XX/XX/XXXX, while they still investigate. Time goes by, I open a letter on XXXX XXXX that they closed my claim. They took out the full XXXX in temporary credit, without giving me my missing XXXX dollars in cash. I call and they claim they didnt find XXXX dollars in the ATM or any sister ATMs and that they had to deny the claim. I was confused. I deposited my XXXX dollar check along with XXXX in cash. It was two XXXX dollar bills, a XXXX, and three XXXX. I dont understand how XXXX can disappear from the ATM for them to say it wasnt never deposited. I explained to them its not my fault that the ATM ate my cash, and that I shouldnt have to have practically XXXX dollars stolen from me for banking with them. The worker then went on to say if I have any other documentation proving I actually deposited cash along with my check, that they would possibly reopen the claim. What documentation? Its cash. They could even pull up the ATM cameras at the time and see me depositing cash at the exact same time along with my check. The refused to give me my cash back and I have to basically deal with the fact that XXXX was stolen from me from the ATM eating my deposit. I just began banking with them a few months ago and this happens, it is ridiculous.
Company Response: Closed with monetary relief

Timely Response

2019-08-02

East Rockaway, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: On XX/XX/2019 at XXXX XXXX at XXXX XXXX XXXX, XXXX, New York XXXX I was informed that my Chase Checking account was closed by the Branch Manager Vice President XXXX XXXX. Lost Prevention informed me they did not know why. ( XXXX ) Lost Prevention ( XXXX ) informed me that it was closed for No specific reason, they felt like it. That is the reason. On that day I was about to deposit {$1000.00} into my Chase checking account, which has a balance in it. This account is used to pay my Chase Home loan and other bills. I have had accounts with Chase for years. After coming home I called Chase and spoke with XXXX at Loss Prevention XXXX, She had no further information. n
Company Response: Closed with explanation

Timely Response

2019-08-02

WA

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Complaint: Chase bank has offer for sign up for XXXX a service and get XXXX $ cash back. XX/XX/2019, we signed up for the cash back offer and we also signed up for XXXX home security. Chase said they couldnt honor it because of how the payment was ran. So we ended up making another payment on XX/XX/2019 even though we were paid for XXXX into XX/XX/2019. 15 business days from then would be when I should expect money deposited into my checking account for the promotion. At this point, I have been calling for over two weeks and have still not been honored the promotional money. Two cases have been filed ( the second one prolonged things by 2-3 business days ), and despite what the Chase customer Service Representatives tell me, I still have not been called until this week. A lady from this mysterious Online Products Department called me during my work hours and I missed the two calls but i immediately called her back. I have left several repeat messages. yesterday I spoke with a manager in the customer service department who offered another case be filed and that I would get a call back today which is XX/XX/XXXX ... I declined because opening a case seems to prolong things. Chase Bank has still not honored the promotion and no one can tell me anything. According to Chase customer service representatives, the department that deals with online promotions doesnt take incoming calls.
Company Response: Closed with monetary relief

Timely Response

2019-08-02

Old Westfield, NY

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2019-08-02

Lafayette, LA

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

2019-08-02

Katy, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-08-02

College Sta, TX

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-08-02

Chicago, IL

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-08-02

Hayfork, CA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response