JPMORGAN CHASE CO.
Consumer Complaints
There are over 65161 complaints on file for JPMORGAN CHASE CO.. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 112
2019-07-28
Bronx, NY
Problem caused by your funds being low
Checking or savings account: Checking account
Non-sufficient funds and associated fees
Complaint: Check # XXXX was made out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) to pay rent at XXXX XXXX, a Congregate/Level II SRO program. Resulted in a negative balance of XXXX. An insufficient fund fee of XXXX was applied to my account on XX/XX/2017. I lost my XXXX and federal tax refunds ( XXXX issued on XX/XX/2017 and XXXX issued a week later ). An extended overdraft fee of XXXX was applied to my account on XX/XX/2017, being my balance to XXXX. The bank violated a federal rule that states that if my direct deposit to my checking account comes from the Social Security Administration ( My SSI benefit payments are direct-deposited into my checking account monthly ), that no institution other than the federal government can take any funds out of the checking account to recover a debt. Also, I never sign up for overdraft payments ... meaning that if my account doesn't have enough money to pay for purchase or pay a bill, the bank will cover it but customer must pay back the money within a short amount of time. So much money was taken away from me in fees, which I want reimbursed back to me asap.
Company Response: Closed with monetary relief
2019-07-28
San Francisco, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Add-on products and services
Complaint: I had an issue with a flight cancellation in early XXXX that qualified me for the trip protection insurance that is offered to all Chase XXXX XXXX credit card customers. It has been almost 3 months and I still have not received any response. I had followed up with Chase, they keep sending me to a 3rd party insurance provider, who told me that they still have not received any documentation regarding the trip, even though I have uploaded / sent these documents to them 4 times, emailed to follow up and still have heard nothing back. [ Ironically I had even received an email from eclaims, the 3rd party insurance provider, saying that all my documents have been updated. Similarly, when I logged into the claims website it also says that all documents have been uploaded. I asked Chase for help but they told me there is nothing they could do. This is clearly a violation of the contract - which Chase offers to customers that feature.
Company Response: Closed with monetary relief
2019-07-28
Foothill Ranch, CA
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: I was charged {$34.00} for an overdraft in my checking account, but I had funds in my savings account and overdraft protection linked to my savings that should have covered it. I tried to explain this to the bank but they would not refund the overdraft fee.
Company Response: Closed with explanation
2019-07-28
OH
Closing an account
Checking or savings account: Other banking product or service
Can't close your account
Complaint: I have been trying to close my Fathers IRA account.
I have been in contact with the Bank multiple times, begining in XXXX, after my father died. I am the executor of his estate. The banks forms have been filled out, at the local branch to insure no problems. The forms were sent to the Banks IRA department along with death certificate and paper work showling me as the executor.
I have returned to the branch multiple times between XXXX and XXXX.
Each visit results in another minor issue or question being raised and answered, always ending with their assurance that the check will be in the mail. Now going on eight months, still no check.
The account is going thru probate, because the bank failed to process the transfer on death paperwork. This paper work must go thru the banks IRA department, a very incompentant department. Other accounts with the bank transfered on death.
This is my second complaint on the same account, the first time I maid the complaint, their reply was, This complaint lists someone the company does not recognize as their customer or their customers authorized representative.
Their customer is dead, they don't reconize me because they are incompetent.
They are sitting on this IRA, they never call me to say there is a problem.
I believe they slow walk these account closing request on purpose and should be investigated. I made multiple trips to the banks branch, 1 hour away, and still after 7 months, hear nothing but excuses.
Company Response: Closed with explanation
2019-07-28
Las Vegas, NV
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Old information reappears or never goes away
Complaint: This happened with Chase. I was in the process of moving and missed two payments which i promptly paid the day after. Since i was late a second time because of the entire moving process they said i was late past 30 days which was false. This was for the statement of XX/XX/XXXX and XX/XX/XXXX. I would like this corrected or to be removed entirely. I have not missed a payment since and the derogatory mark is messing up my credit.
Company Response: Closed with explanation
2019-07-28
Houston, TX
Fraud or scam
Money transfer, virtual currency, or money service: Traveler's check or cashier's check
Company Response: Closed with explanation
2019-07-28
Jersey City, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-07-27
Jupiter, FL
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
Complaint: XXXX XXXX sent an alert that a new " hard '' inquiry was just added to my XXXX credit report from Jpmcb - Card Service on XX/XX/2019.
This fraudulent inquiry could affect my score.
I have not approved this inquiry and it should not be listed on my credit report.
Company Response: Closed with non-monetary relief
2019-07-27
Wallington, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I've been waiting for a direct deposit to be made available on my account for some days now, and was told on XX/XX/XXXX that the deposit was
Company Response: Closed with explanation
2019-07-27
Palos Park, IL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: Hello, My name is XXXX XXXX XXXX. Ive been trying for almost two months to retrieve my funds via a payment that was sent to my Chase account through XXXX.
I had someone send me {$400.00} for an item I sold to them. The payment has cleared on their end and they arent unable to cancel the payment since theyve sent it already. I received an email alerting me that I would be receiving a payment from XXXX XXXX who banks with XXXX for {$400.00} on XX/XX/2019. I tried to accept the funds and I get a message on my account saying that an error has occurred and my email address needs to be added to my XXXX/XXXX. This is the same email account that Ive used for all of my XXXX transactions and with Chase..
i try deleting and re-adding my email and it says that I have a pending payment but as of yet, the payment has not been credited to my account. I have called every number I could at chase and XXXX with no luck. I went into my branch to speak with a banker who was also of no help. Ive contacted Chase executives who also would not help me. Ive provided screen shots of my account to customer service and of the pending payment and Im still being told that they cant see it, when its clearly on the screen.
. The sender of the funds now thinks Im trying to scam him because I asked a few times to cancel and resend the payment and has since blocked and cease communication with me.
Company Response: Closed with explanation
2019-07-27
Alta, CA
Lost or stolen check
Money transfer, virtual currency, or money service: Refund anticipation check
Complaint: XX/XX/2019 XXXX from JP Morgan XX/XX/XXXX, XX/XX/XXXX deposits Chase Acct last four XXXX Transferred to Claims Dept XXXX XXXX on hold XXXX XXXX XXXX Filled out a Claim for the 2 deposits {$6000.00} Fed, {$13000.00} From California Total {$19000.00} Somehow sent to : JP Morgan/Chase Routing Number XXXX Account Number XXXX XXXX XXXX XXXX ( Not a correct account number per XXXX ) XXXX XXXX Claim number XXXX Claims # XXXX XXXX XXXX Per answer from XXXX - I will get a call tomorrow from the person who is working on the claim.
Called to find out that XXXX misrepresented what the procedure is and was given the claim number at XXXX XXXX PST XXXX this does not jibe with previous information.
XXXX California Franchise Tax Board XXXX ( XXXX ) XXXX XX/XX/2019 Spoke to XXXX ( XXXX XXXX XXXX XXXX ) and according to them ( FTB ) they have not received the {$13000.00} that JP Morgan/Chase bank intimated had been returned as a matter of procedure within 2 or 3 business days.
Per XXXX there were no records of the return of the refund.
I was told to provide the following information : Fax ( XXXX ) XXXX Name & telephone number of bank representative two months of bank Chase XXXX XXXX XX/XX/2019 XXXX station XXXX Supervisor XXXX fax # XXXX I was told by XXXX that it would likely take 120 days to get an answer and a paper check mailed to me.
Chase Phone Number XXXX _______________________________________________ Called Back Claims Department at JP Morgan/Chase after receiving ambiguous letter Spoke to Lei Supervisor of the claims department XX/XX/2019 XXXX XXXX XXXX PST There is no record of the funds being in the account and no transaction information is available.
XXXX Supervisor of the claims department said. This leaves me in a catch 22 situation as all parties ( FTB, Chase ) claim it's the others responsibility to determine where the funds have gone.
XXXX Called FTB waiting on a call back XXXX XXXX ( approx ) XX/XX/2019 ( Friday ) XXXX Spoke to XXXX who called back and said that they have not received the fax that was sent on Tuesday XX/XX/XXXX.
I asked that they call with a normal phone number and she did that on XXXX XXXX XXXX but have not heard anything back from them since.
XXXX XX/XX/2019 Spoke to a woman at CFTB who said essentially, we don't care about your refund and I almost heard " " ( Sorry about that XXXX in XXXX )!
XXXX XXXX XXXX XXXX XX/XX/2019 CFPB XXXX can only speak with XXXX XXXX for some unknown reason ). I have to wait for her to get back before moving this along.
XXXX XXXX XXXX XXXX XX/XX/2019 CFPB Note says - Need to call heckstarl? Already taken care of through XXXX XXXX XXXX # XXXX IRS XX/XX/2019.
According to XXXX I entered the filing incorrectly leading them to approach JP Morgan/Chase with XXXX 's SSN which is totally incorrect. I was told to resubmit the paperwork this time without XXXX 's information.
I will keep screenshots as I fill it out as that is totally incorrect as I filled out the forms correctly.
XXXX Attached three months of the ONLY Chase Account in my possession. No refunds
Company Response: Closed with explanation
2019-07-27
Charlotte, NC
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: I open a checking account on the XXXX of XXXX with chase bank in XXXX XXXX California.
I go and try to check my information on my checking account to get a message to call a number i called that number and they say that the are closing done my account.
Also i seen that so one was using my identity at Chase Bank. And chase been one of the banks who had a breach before you will think that they would ask for that person identity.
Company Response: Closed with explanation
2019-07-27
Lewisville, TX
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I had an account with an attached student account for my son who was underage ( XXXX ) upon opening. My account was closed by Chase because an overdraft occurred that was not paid for when I became unemployed. My son was still using his account and when he went to get a new debit card and his ID was verified ( XXXX ) Chase withdrew his direct deposit paycheck funds from his account of {$290.00}. I have been unemployed since XX/XX/2018 and He makes his own funds. Chase has taken his funds to return to school.
Company Response: Closed with explanation
2019-07-27
Kendall, FL
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Dear CFPB, this is a final attempt to bring to your attention possible fraud and discrimination brought upon me by JPMorgan Chase Bank due to my financial practices. Attached will be an email that was contradictory to the horrendous experiences I keep on having with their costomer service regarding my debit account XXXX. They will not allow me to open an account or receive statement showing the full disclosures pertaining XXXX, XXXX XXXX XXXX and myself. I need those statements to file my irs documents plus it is the law as I understand it that they must disclose all activities done in my name.
Company Response: Closed with explanation
2019-07-27
Foothill Ranch, CA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: To Whom It May Concern : I was looking at XXXX XXXX online and wanting to buy a song. Next thing I know I am getting a monthly charge to my bank account via my bank debit/credit card going back to 2018. I disputed this first round of charges with XXXX and after several lengthy phone calls with my Chase bank and XXXX they canceled the recurring charge and credit back f the monies. So I thought the issue resolved and the recurring charge was handled.
Then I was reviewing my bank statement this month and discovered they have restarted the recurring charge. The only reason I didn't catch the charges is that I have multiple online subscriptions the auto debit my account like XXXX ... of whom are authorized ... and who are for the exact same amount {$9.00}. However, this time I did not even go to the XXXX website nor access their music services or library. I explained this to the XXXX representative that It could be ascertained by XXXX that I had not and have not been to their website nor had I used their XXXX services at anytime!!!
In short, at NO TIME did I ever authorize, sign-up or otherwise even visit the XXXX website. I contacted XXXX this month ( XXXX ), a second time, and the agent I spoke to said she could credit back two months services and cancel the account. I asked to speak with someone with more authority, as I wanted all the fees they charged me refunded, and the XXXX representative said that was all she could do.
In summation, I am requesting a full refunds of all the monies charged to my bank account. In addition I want to lodge an official complaint that I believe that the way this service was added and then billed to my account was done deceptively and as a predatory practice. I think they intentionally get you to click on something to agree to them billing you each month and you have no idea you signed up for anything. Then when you find out they are billing you and you want to dispute it they make the process difficult and time consuming so that when the agree to cancel the account and only refund some or none of your monies you reluctantly agree as you have no real recourse except, Thank XXXX!, that we have the CFPB!
Company Response: Closed with monetary relief
2019-07-27
IL
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: When we got divorced in XXXX we had two rental properties with mortgages through Chase mortgage. On XX/XX/XXXX and XX/XX/XXXX my ex-husband forged my name on two loan modifications and Chase put both of these loan modifications in place. I found out about these forged signatures last year and have gone through several avenues to try and get it correct. The latest early in XXXX I talked to XXXX in the escalation department he said they would investigate. The next day he called back and said he was not allowed to discuss it with me anymore, but suggested that I have my ex apply for a loan assumption. ( I suggested that to him with no response. ) I had asked XXXX, and have asked again in writing 3 more times, what would Chase recourse be if he doesn't apply for an assumption or if he doesn't qualify. I have also asked the same amount of times, what is Chase 's process to verify signatures. It is obvious it is not my signature. I have gotten no answers. Yesterday I got a letter from Chase saying to contact them at XXXX. So I did. They questioned why I said it was a fraudulent loan. So explained again what had happened. I again asked my two questions ... what is their recourse if my ex doesn't get a loan modification and what is their process to verify signature on loan modifications. She told me she didn't know the answers to those questions and would have to ask underwriting.
Company Response: Closed with explanation
2019-07-27
GA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I refinanced my loan back in XXXX, I thought the refinanced paid off my 2nd mortgage so I did not pay it. Once I found out I owed for this mortgage almost 10 years later, I discovered the tenants ( family members ) staying in my home were not paying the mortgage. I hired the law firm to help me avoid foreclosure in XXXX, they attempted to encourage Chase to use the title company who erred in the title search to get the money for the second mortgage but Chase would not. I tried to get a modification of the loan in XX/XX/XXXX, Chase ignored it. I tried to sell the home and at the last moment the 2nd mortgage company found out they were first and Chase backed out of the sell ( the price was {$120000.00} ) because they were no longer first and would not collect all that was owed to them. The Law office tried to get the 2nd mortgage company to forgive the 2nd mortgage but they stated they did not like how Chase treated them so they would not sign off on the loan. Then Chase offered a modification that started XX/XX/XXXX was finalized in XXXX XXXX the amount I owed to Chase went from {$98000.00} to {$140000.00} with my loan stretched out to 40 years vs 30 years. I agreed to avoid loosing my home. All taxes and fees were included with this modification. In XX/XX/XXXX Chase did an Escrow analysis that resulted in an increase of my monthly payment from {$1100.00} per month, in XXXX of XXXX another Escrow analysis resulted in a payment of over {$1300.00} and in XX/XX/XXXX another Escrow analysis raised my payment to over {$2200.00}. I did call Chase and they offered another modification but I would have to start over in the process and do this all over again. The new payments starts in XXXX and I am just uncertain if it can be done.
I signed a modification and I have paying faithfully. I can not afford {$2200.00} in loan payments and they could not explain to me why. I called and was told that I had a {$45000.00} overage. But according to the modification, it was supposed to include all of this. Chase erred with my refinance in XXXX, would not sue the title company in charge of the search to make amends for the error and now is trying to place the burden on me.
Company Response: Closed with explanation
2019-07-27
VA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: Good evening, On XX/XX/2019 I purchased a XXXX XXXX ticket using Chase Ultimate Rewards Points with my Chase Sapphire Reserve Credit card. XXXX XXXX canceled my return flight and issued me a partial refund for {$150.00}. XXXX informed me on XX/XX/2019 that the refund was processed. It's been weeks and Chase refuse to refund my account.
I waited the appropriate amount of time for the refund to appear on my account but it never did. I contacted Chase Card services using the secure messages feature and informed them of the issue. Chase told me the refund processed to a different credit card number from the one I have, and that I'd need to work out my refund with the airline. I contacted XXXX again, who informed me that when a customer books a flight with credit card points, the credit card company itself reserves the flight through a partnered travel agency, and that XXXX had reimbursed Chase 's partnered travel agency, because XXXX can only reimburse in the exact method in which the flight was reserved.
A XXXX representative told me to contact Chase again and tell the credit card company to reach out to their agency, confirm the {$150.00} reimbursement, and then forward the refund to my account. I messaged Chase on XX/XX/2019 and told them this issue and asked them to confirm my refund with their agency. Chase sent me a repeat semi-automated response to contact XXXX again, and claimed that I hadn't booked the flight using Chase ( even though I definitely booked the flight with Chase Ultimate Rewards Points and I have the email confirmation to prove it ). Chase customer service is sending me in circles, refusing to follow up with their own travel agency, refusing to read the messages I sent them with pertinent information, and refusing to process my refund to my account. I have spent over twenty hours contacting Chase and two months of frustration waiting for my refund.
Furthermore, when I spoke to a Chase representative on the phone on XX/XX/XXXX she was less than helpful. She told me XXXX cancelled my return flight because I'd failed to arrive at the airport for my departing flight ( this was false and easily disproved. I'd flown on the departing flight the day before ). She was also unable to receive emails, so I couldn't show her the XXXX flight or refund information. When I learned I could not forward documents to Chase employees while on the phone, I decided to use the secure messaging. But this method of communicating with Chase has proven just as ineffective.
I am attaching to this complaint all of my messages with Chase, proof that XXXX processed my refund, and proof that I purchased the flight through Chase.
Company Response: Closed with explanation
2019-07-27
Fair Lawn, NJ
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: This is the letter of dispute I sent to JPMorganChase : XX/XX/2019 XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX, NJ. XXXX Account # XXXX XXXX XXXX XXXX JPMorgan Chase Bank Executive Offices XXXX XXXX XXXX XXXX, OH XXXX Dear Sir or Madam : I am writing to dispute the fact that I applied for a XXXX XXXX XXXX offer ( XXXX bonus miles + {$250.00} statement credit ) and was given a totally different one ( XXXX bonus miles after spending {$2000.00} on purchases in the first 3 months ).
I applied for the card online on XX/XX/2019. I was instantly approved with a credit line of {$11000.00}.
Since you record all your customer calls, you will be able to verify that in the following days I called and was given reassurance that I had correctly applied to the XXXX + {$250.00} offer.
On XX/XX/2019, XXXX XXXX, I called your Customer Service. After explaining that I had not been given the offer, the CS agent reiterated the fact that XXXX had the offer but that he did not know why it had not been honored. He indicated that he could file a complaint on our behalf, which we asked him to do. He informed us that it would take about 14 business days for us to get a reply. After filing it, we asked him to transfer our call to a supervisor, which he politely did.
XXXX, who identified herself as a supervisor, answered the call. She immediately contradicted her CS agent and told us that XXXX had no such offer, but that it was XXXX XXXX who was offering such a deal. In the course of the conversation, our call was disconnected. I called again and this time, I spoke to XXXX, another CS supervisor. She contradicted what XXXX had told us and insisted that we had applied to the XXXX XXXX XXXX which was offering XXXX after {$2000.00}. At numerous times during our conversation, I repeated that I had not applied for the XXXX {$2000.00} offer, and that the XXXX + {$250.00} credit offer appeared in the process of us searching for airline tickets, which was what caught our attention.
XXXX then told me we were given the XXXX {$2000.00} offer and there was nothing we could do about it. I asked her how was it possible that I was given a card I had not applied for without first informing me of that fact. I wasnt notified at anytime during the approval process that I was only being approved for the XXXX {$2000.00} offer and not the XXXX {$250.00} credit offer which I had applied for. We were not given the option to approve or decline.
I asked XXXX to provide me with the contact information of the Complaint Department, which was above her, and she denied me the information telling me that there was no department higher than her and that all she could do was offer me what the first CS agent had offered us. I went on the inform XXXX that a complaint had already been submitted.
On XX/XX/2019, I again called your CS department and I was basically told the same as before, but this time the CS agent specifically said that we had not been approved for the XXXX + {$250.00} credit offer and that was the reason why we were given the card with the XXXX {$2000.00} offer instead. Once again, I inquired why was this done without prior notification and without our approval. It was your obligation to inform us that we did not qualify for the XXXX + {$250.00} credit offer and then offer us the XXXX {$2000.00} offer and allow us the choice to accept or decline. I also asked the CS agent to give me the information to the Complaint Department and she refused to provide the information, that if we wanted to speak to a CS supervisor she would transfer my call but otherwise she wasnt giving me the information I requested.
Finally, she did transfer me to a CS supervisor, who apologized for the hard time I was given. She repeated what the CS agent had told me about not qualifying for the offer we applied for and graciously gave me the information I requested in order to submit my complaint to your executive offices.
I have enclosed copies of the website images of the offer we applied for and highlighted the statement : {$250.00} Statement Credit This product is not available to either ( i ) current Cardmember of this credit card, or ( ii ) previous Cardmembers of this credit card who received a new Cardmembers bonus for this credit card within the last 24 months. I do not have or have ever had THIS credit card.
I thank you beforehand for your prompt consideration, investigation and resolution of this matter.
Sincerely, XXXX XXXX XXXX, XXXX.
Company Response: Closed with explanation
2019-07-27
Bridgetown, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I monitor my credit daily ok.
I get updates and credit alerts from everywhere.
I just got an update on XX/XX/XXXX and again on XX/XX/XXXX that my credit was the same as its been for almost two months it was XXXX.
Keep in mind I have had no changes OTHER than amounts " decreasing '' from my total debts.
On XX/XX/XXXX I got an update from the bureaus ( XXXX AND XXXX ) that my credit went down 38 points DUE TO A NEGATIVE REMARK CHASE POSTED ON MY ACCOUNTS.
I pay Chase on time EVERY MONTH.
I spoke to Gentleman in the Chase Credit Bureau Correction dept about the error.
I was given information that the remark shouldnt have made my score go down BUT AGAIN IT DID.
He also tried to blame it on a " third party applicator '' BUT NO SIR THIS CAME DIRECTLY FROM XXXX AND XXXX My credit score decreased drastically soley bc of the NEGATIVE REMARK CHASE ADDED TO MY ACCOUNT.
Chase needs to STOP adding UNECESSARY remarks on my credit file.
IF IM NOT LATE DO NOT ADD ANYTHING TO MY FILE.
DONT ADD NONE OF THAT TO MY CREDIT FILE BC IT DECREASES MY CREDIT SCORE DRASTICALLY I'm a XXXX XXXX OK.
I monitor my credit 500 times a day.
I'M ADDING PICTURES TO SHOW HOW MY SCORE WENT DOWN SOLEY BC OF THE REMARK CHASE ADDED TO MY ACCOUNT.
Not even sure why they added that UNECCESSARY REMARK ON MY CREDIT FILE PERIOD.
THE GENTLEMAN EVEN TOLD ME OUT HIS OWN MOUTH SOMETIMES WHEN CHASE ADDS REMARKS PPL HAVE CALLED IN AND STATED THEIR SCORE WENT DOWN.
THIS NEEDS TO BE INVESTIGATED INTERNALLY.
CHASE NEEDS TO REMOVE THE REMARK THEY JUST PLACED ON MY FILE ON XX/XX/2019 REGARDING THAT DISPUTE.
AND IT NEEDS TO BE REMOVED EXPEDITIOUSLY.
A DISPUTE WAS FILED BUT IT HAD NO BEARING ON ANYTHING BC IT WAS ONLY FOR {$30.00} AND I NEVER FOLLOWED THROUGH WITH IT.
IT WAS NEVER PROVISIONALLY CREDITED OR WITHDRAWN FROM MY ACCOUNT.
IT LITERALLY DID NOTHING.
Chase may not know that what they are reporting or the words they are using is hurting consumers but it is IF IM NOT LATE DO NOT ADD NOTHING TO MY CREDIT FILE.
You should be reporting my ON TIME PAYMENTS and THATS IT DONT ADD ANYTHING ELSE OK.
ABSOLUTELY NO OTHER MITIGATING FACTORS CAUSED MY SCORE TO DECREASE LIKE THAT EXCEPT THAT REMARK THAT WAS ADDED AND AGAIN MAYBE CHASE CREDIT BUREAU DEPT DOESNT REALIZE THE UNECESSARY REMARKS THEYRE ADDING TO CONSUMERS FILES IS DECREASING THEIR SCORES SO NOW THEY KNOW AND THEY NEED TO STOP OR I WILL FILE A LAWSUIT AGAINST CHASE.
Company Response: Closed with explanation
2019-07-27
Ft Belvoir, VA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: XX/XX/2019 Dear Chase Bank, I have been attempting to dispute an unauthorized charge to my Chase credit card since XX/XX/2019 and am writing to summarize my efforts in cooperating with this investigation and to provide supporting documentation to prove fraudulent activity on the card. I first reported an unauthorized transaction as soon as I saw it posted, which should have been on or around XX/XX/XXXX. This was for a charge of {$1200.00} from XXXX XXXX Downtown made on XX/XX/XXXX. I spoke to a Chase representative, at which time I deactivated the affected card and received a new one in the mail shortly after. The disputed charge was taken off my statement, and I believed that everything had been resolved. It should be noted that I disputed this charge within 1 day of it being charged to my card.
On XX/XX/2019, I received a voice mail from XXXX from the Chase Fraud Department at ( XXXX ) XXXX, who stated that she wanted to confirm information related to the disputed charge. I have called back several times during her normal business hours but have not once been able to speak to her directly ( UPDATE : I did speak to her on XX/XX/2019 after I drafted this letter and before I mailed it out ). I then noticed on XX/XX/2019 that the disputed charge had reappeared on my statement without warning. I called the main Chase customer service number and spoke to several people on two different occasions after being disconnected or transferred to multiple people. I was initially told that there was no longer a dispute pending on that transaction and that I would need to open a new dispute. I was never told that my dispute had been closed nor was I given any justification for why it was closed. I was then told that someone from Chase had contacted the hotel, who stated that someone with my card number apparently checked in to the hotel and stayed there using my personal information. It was assumed that I stayed at this hotel and gained benefit from this transaction. For the record, I have not been to XXXX in at least a decade and have never stayed at this hotel. I gained no benefit from this transaction.
Upon further questioning with Chase representatives and with the hotel 's accountant, I was told that whoever stole my credit card information had checked in via XXXX 's mobile check in option. This person had my address and phone number and supposedly provided an ID. If the hotel is unable to provide a valid copy of the identification used upon check in, I do not believe this counts as valid justification to prove that I was there in XXXX at this hotel. If they are able to provide a copy of the identification used, then you will quickly see that it does not match the identification that I have provided ( Attachment A ). Please also feel free check the signature used during this transaction and see if it matches mine.
We should also apply a little common sense. If I called to deactivate the card one day after the charge was placed, why would I still go to XXXX and use a deactivated card? If I intended to go on vacation to XXXX, why would I deactivate the card that I used to make the reservation one day before my intended travel? And how did this charge still make it through if the hotel reservation occurred after I deactivated the card? Shouldnt the charge be processed after the completion of the hotel stay? Any charge transacted after I alerted Chase of the fraudulent purchase should be deemed invalid and reimbursed to my account.
Please see supporting documentation below and let me know if there is anything else I can do to expedite this process. I would be happy to cooperate in any way possible and hope for the same from all parties.
Company Response: Closed with explanation
2019-07-27
Bell Canyon, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-26
Jacksonville, FL
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 non-monetary relief
2019-07-26
Chicago, IL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: A QUICKPAY FOR RENT WAS MADE THROUGH CHASE BANK ON XX/XX/2019 TO ANOTHER CHASE ACCOUNT. THE RECIPIENT RECEIVED AN EMAIL FROM CHASE BANK CONFIRMING HE HAD RECEIVED THE AMOUNT OF {$1100.00} ON THIS DAY AT EMAIL ADDRESS XXXX. 3 DAYS PASSED AND NO MONEY WAS DEPOSITED INTO HIS ACCOUNT, ALTHOUGH IT WAS WITHDRAWN FROM MY ACCOUNT. WENT TO THIS CHASE BRANCH IN XXXX XXXX, IL AND MANAGER INFORMED US AT FIRST THAT EMAIL WAS TEH SAME BUT HAD GONE TO A DIFFERENT ACCOUNT NUMBER THAT DID NOT MATCH THE RECIPIENTS. THIS IS A MAJOR SECURITY BREACH. THEY WERE UNABLE TO CANCEL THE PAYMENT AS THEY COULD NOT TRACE/TRACK THE PAYMENT. HOW DOES A REPUTABLE BANK LOSE MONEY AND IS UNABLE TO TRACK AND SECURE PAYMENT AND CLIENT INFORMATION. A CLAIM WAS OPENED ON XX/XX/2019 AND I WAS INFORMED I WOULD RECEIVE A REFUND FOR THE XXXX WITHIN 12 HOURS. REFUND WAS NOT RECEIVED UNTIL ONE WEEK AFTER, 7 DAYS AFTER. TODAY, ON XX/XX/2019 A WITHDRAWAL FROM MY ACCOUNT WAS DONE FOR THE SAME AMOUNT WITH A NOTE OF CLAIM REVERSAL. WENT TO THE SAME BRANCH AND WAS INFORMED BY THE CSR THERE THAT THEY WERE UNABLE TO TRACK THE MONEY SO CLAIM WAS CLOSED AND UNFOUNDED AND THAT MONEY WAS NOT SECURED SO IT WAS WITHDRAWN FROM MY ACCOUNT SINCE THE BANK COULD NOT FIND THE MONEY. THIS NEEDS TO BE RESOLVED. IT CLAMS TO BE AN FDIC INSURED BANK AND CAN NOT RESOLVE OR SECURE CLIENT INFORMATION. THIS IS A MAJOR SECURITY BREACH AND WILL FORWARD TO THE MEDIA AND ALL OUTLETS NECESSARY TO RESOLVE AND BRING ATTENTION TO THIS MATTER. WHETHER IT IS XXXX DOLLAR OR XXXX XXXX, IT IS MY HARDWORKING MONEY THAT CHASE LOST DUE TO A BREACH AS THEY SAY AND WILL NOT RETURN.
Company Response: Closed with explanation
2019-07-26
Dexter, KY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation