JPMORGAN CHASE CO.

2019-06-13

Kyana, IN

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-06-13

Frankfort, KY

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
Company Response: Closed with explanation

Timely Response

2019-06-13

VA

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: Chase is charging me {$790.00} for a transaction that should not have had an extra charge. I had emergency XXXX while traveling in XXXX. The hospital required a temporary deposit of {$10000.00} euros ( on XX/XX/2019 ) which was returned when the insurance company verified payment ( on XX/XX/2019 ). My Chase credit card does not have foreign transaction fees - the amount debited in dollars should have been {$11000.00} because the euro to dollar exchange rate was XXXX on XXXX XXXX. Instead, they debited {$12000.00}. When the {$10000.00} euros was returned, they credited {$11000.00}, which was correct because the exchange rate was XXXX on XX/XX/XXXX. As a result, I am disputing the extra charge of {$790.00}. I have contacted them by phone twice, by secure message with documentation, and by mail with documentation, and every time they give me a different reason for the fee and deny my request for the charge to be removed. I contacted the hospital, and they said they charged XXXX euros and returned XXXX euros so they did not get the extra money. Chase first said it was a difference in exchange rate so I showed them it wasn't. Then they said we used a PIN for a cash advance - I don't even have a PIN for the card, plus it was a purchase of hospital services, not a cash advance. They have not responded to my last letter ( XX/XX/2019 ) disputing their reasons - it has been a month with no response. I started my protests in XXXX, as soon as I got my statement and saw the mistake. I have attached their last denial letter, my response to the letter, and my Chase statement showing the debit and credit.
Company Response: Closed with explanation

Timely Response

2019-06-13

Lewisville, TX

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: I AM INSTANTLY PUSHED OVER TO CORPORATE WHO I CAN NOT XXXX DUE TO MY XXXX XXXX AND IT IRITATES ME VERY MUCH. TIRED OF NO TIME FOR THE XXXX AND XXXX XXXX XXXX AND BEING SCOLDED ALL THE TIME. THE PHONE LINES IN CORPORATE ARE HORRIBLE AND I CAN NOT HEAR THE PERSON ON THEIR VOIP SYSTEM AND THEY DO NOT CARE. TIRED OF BEING A PUSH OVER TO SOMEONE NAMED XXXX I CAN NOT HEAR. IT IS SO RUDE AND NASTY. THERE IS ONE LADY WHO IS SO RUDE AND NASTY TO ME. THE MEN ARE NICE, BUT SHE IS HORRIBLE AND MAKES ME A PUSH OVER ALL THE TIME.
Company Response: Closed with explanation

Timely Response

2019-06-13

Augusta, GA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: Contacted the company several times and disputed with the bureau.
Company Response: Closed with explanation

Timely Response

2019-06-13

Bohemia, NY

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

2019-06-13

Peoria, AZ

Incorrect information on your report

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

Information that should be on the report is missing
Complaint: One of the actions of the 2011 Dodd-Frank legislation was the transfer of HMDA and CRA reporting for JPMorgan Chase Bank , National Association ( JPMCB ) to CFPB. However, I can find on CRA Reports for JPMCB or Chase Bank USA, N. A. since the JPMCB Large Bank Report of XX/XX/2013. ( By the way, this report was done by OCC and used Respondent ID : XXXX, however this was not the respondent ID for this bank at this time, it was XXXX. ) Even more troubling is the fact that I can find no CRA reports from any JPMorgan Chase and Company affiliate, subsidiary, or bank since the fraudulent XX/XX/2013 CRA Report. The Community Re-Investment Act ( CRA ) was created by Congress to ensure that large multi-national banks such as JPMCB are serving the needs of economically-disadvantaged inner-city areas and MSAs. It is clear that CFPB is not going to fulfill it's fiduciary responsibilities to ensure that both HMDA and CRA reports are available to consumers, but WHAT Else Is New? Attached is more detail information regarding this complaint. Thanks for your help. XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-06-13

Akron, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-06-13

Problem with a purchase or transfer

Credit card or prepaid card: Gift card

Charged for a purchase or transfer you did not make with the card
Company Response: Closed with explanation

Timely Response

2019-06-13

Chester, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Saturday, XX/XX/2019, I went to XXXX XXXX, XXXX, NY ; XXXX XXXX for a dress. I was charged {$41.00} ; I was credited and charged a second time, then was unable to be charged. I called Chase and the customer service representative said that there was only one charge made at XXXX XXXX. I left the store and checked my Chase Bank account ( checking/Visa ) Sunday and Monday XXXX XXXX/XX/XX/XXXX, my account ( checking/Visa ) was still correct. On Tuesday I went to get a coffee and the XXXX XXXX cashier said my card was declined! I looked online and saw that my account was ( minus ) {$18.00}! I l called Chase Customer Service @ XXXX ; she said I had to file a claim because the store had charged my 465 times {$41.00} and CHASE LET IT HAPPEN! Chase called me back at XXXX XXXX and the claim rep said I had to call XXXX, that they can not do anything.. I let her know that I expected my money back and let me know what was going to happen. I spoke to XXXX at XXXX, the District Manager, XXXX answered, I told her what happened she said she would speak to her Manager and get it figured out. I waited and neither company called me back. At XXXX I called Chase and XXXX and left messages. I called Chase back and was given to a Claims Supervisor, XXXX, she stayed on the line with me for about 1:30 minutes working on resolving the issue but was unable to do all of the reversals because her computer would not let her access that many. I asked for her to call me back when it was figured out, she said probably not till Friday. I have NO MONEY, NO CHECKING ACCOUNTNOTHING! I spoke to XXXX corporate office in California and XXXX XXXX was trying to figure out a way to have my money refunded to my account that same day, Tuesday XX/XX/2019. He stayed to contact with me and had a meeting with Chase. Later that night around XXXX money had been credited to my account. I checked that next day Wednesday XX/XX/2019 and it was a little bit off but seemed as though everything was getting settled. Then I woke up today Thursday XX/XX/2019 and my account is now minus XXXX. XXXX is still charging me over and over again for the same dress, the same transaction number and it is not stopping and CHASE IS STILL LETTING THEM AND NOT EVEN CALLING ME! You will see some of the thousands of transactions being made. I included several pages but not all because the first time it was 465 times at XXXX and now today 1,000 times at XXXX!! This is why I am contacting your department. Please help me. I have NO MONEY, NO GAS IN MY CAR AND THEY ARE STEALING FROM ME! Thank you, XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2019-06-13

Fort Myers, FL

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

2019-06-13

Hinkley, CA

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: During the month of XXXX 2019, I lost my credit card and fraudulent charges were on my account for my Chase Amazon Visa ending in XXXX adding up to {$4000.00}. I contacted Chase Amazon Visa and notified them of the charges. There was a fraud case started and they applied a temporary credit to my account. In XX/XX/2019 they reversed the charges back to me. I contacted Chase and was told that they had multiple evidence that the charges were made by myself. Since I knew that was FALSE I asked them to provide me the so-called evidence. I was provided with screenshots of the orders going through which only shows the purchase and email, address, and phone number which, is NOT enough evidence in today 's technology world. The email on the order is not my email, the phone number is not my phone number or any other connection to myself. I made a police report within the city I reside in and I provided Chase Amazon Visa the police report and I asked them to re-open the case since they had false information of the order being placed by myself. I was provided a letter after and said they found no evidence of fraudulent charges and I would be responsible for the charges. When asking what they are basing their decision on and to provide me in writing of their conclusion, I was told they can not do that. As a consumer, I am entitled to know what I am paying for and why also, why I am responsible for an email and phone number that is not mine. I am contesting their decision and charges placed during XXXX 2019. I would like the Consumer Financial Protection Bureau to evaluate this situation and help since my rights have not been exercised from Chase Amazon Visa ending in XXXX. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-06-13

Tarzana, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-06-13

Manhattan, NY

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

2019-06-13

Salt Lake City, UT

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-06-13

Royal Palm Beach, FL

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

2019-06-13

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-06-13

Hazlehurst, GA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: My wife and I went on a leisure trip for about three weeks to XXXX starting on XX/XX/XXXX and returned to USA on XX/XX/2019. While we were vacationing one of our personal checking accounts was hacked and all funds wiped out by a criminal activity. Meanwhile, our second checking account with JP Morgan Chase was overdrawn due to a none authorized payment submitted by XXXX and allowed by Chase Bank in the amount of {$840.00}. My wife did call Chase customer service for over 6th times explaining each time to a different representative the situation and to be able to stop the account until we were able to figure out the situation. Some Chase bank reps were frivolous in there answers and never offered a real solution ( only one representative did offer help on reversing all fees after the account was brought up back to good stand ) Today XX/XX/2019 I wanted to fix my checking account with Chase Bank, but before we made any deposits my wife decided to speak one more time with chase customer service just to make sure our none sufficient fund fees were going to be reversed as promised by one of chase representatives in previous conversations, However, this time we got informed by chase representative that we had options since day number one when the account was overdrawn for the first time and consisted ; number one, we could freeze the account, number two, go to a local branch and change the account and number three cancel all automatic payments as well as file a police report none, of these steps were informed in our six phone calls made to the customer service, on the contrary all payments were rejected for insufficient funds and a subsequently none sufficient funds were assessed each time, 11 times {$34.00} swelling the already overdrawn account. This could it be avoided simply by having the courtesy to explain to the customer what was already disclosed above the first time the incident occurred. We believed this is an unfair practice done by Chase to diminish funds and to collect fees upon fees without no reason, placing us in a financial distress that was aggravated by the hacking of my wife 's identity rendering the debacle on the situation we are today.
Company Response: Closed with monetary relief

Timely Response

2019-06-13

CT

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: ONCE AGAIN this negligent debt collector not only has fabricated a Summons in the Connecticut State Court of law stating INCORRECT unpaid balance, interest, late charges and " collection costs '' that are BLATANTLY erroneous due directly to the EGREGIOUS negligence of this debt firm, they further are HARRASSING ME by submitting Motions to the Connecticut State Court of law for foreclosure! They continue to fabricate stating the mortgage is in default yet I am in the middle of Mortgage Modification with Chase thru a government program HOPE directed me to apply to. All claim of a supposed nonpayment of the monthly installments of principal and interest due as of XX/XX/XXXX and each and every month thereafter is nothing more than a FRIVOLOUS claim. Due to my Mortgage Modification that I was accepted into, once I completed the process, which I have, I was advised that the NEW Mortgage starts fresh due to its new restructured interest rate and monthly payment. There is verifiable proof of all monthly payments up thru the Modification. The new restructured Mortgage is suppose to start in XX/XX/XXXX. All I am doing now is waiting for Chase to send me the new paperwork as XXXX XXXX XXXX advised me is the final stage. I have reached out to Chase several times during the past few months with no response yet. My Financial Consultant has also reached out to Chase. Please be advised, this company 's blatant negligence is so extreme, assistance was sought from the HOPE program thru the U.S. Department of Housing and Urban Development to remedy said negligence and thus restructure said promissory note due to said negligence as stated above is in progress. Even after a CEASE AND DESIST order, this firm of XXXX and XXXX specifically XXXX XXXX. XXXX have ignored such an order and have continued their harassment by continued contact and legal fabrications. Please note, this firm is known for their negligence, un-professionalism and egregious behavior in fabrications and scamming.
Company Response: Closed with explanation

Timely Response

2019-06-13

CT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Chase Mortgage Financial is refusing to honor my Mortgage Modification that was accepted thru the HUD HOPE program. I completed the program thru XXXX XXXX XXXX where I was advised that I would be receiving paper work that outlines the fresh new restructured Mortgage interest rate and monthly payments. This was suppose to happen around XX/XX/2019. As of today, I am still waiting for this paperwork. I have tried to contact Chase yet my Relationship Manager refused to return my calls. Even my Financial Consultant reached out to this Relationship Manager and he was also unsuccessful. Due to Chase 's negligence in properly managing this mortgage and refusal to honor the new Restructured Mortgage, it has turned into a complete nightmare. I am being harassed by their Debt Collector ( who is a law firm ), who not only refuses to honor a cease and desist order but continues to file FRIVOLOUS Motions with Connecticut State Court of law and threatening me with foreclosure. Chases " explanation '' in the past to their blatant negligence is egregiously incorrect! Not only have they been calling a number that is not even mine, they are claiming they needed new information stemming 5 years ago which is new news to me. The mortgage was never 184 days late! They purposely refused payment due to their negligence in properly managing the mortgage. My Mortgage has COMPLETED THE MODIFICATION PROCESS! It has been restructured with a new interest rate and monthly payments!
Company Response: Closed with explanation

Timely Response

2019-06-13

CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/XXXX, I contacted the customer service line for JP Morgan Chase 's Banking services to report that Chase had cashed a check # XXXX of mine twice first on XX/XX/XXXX, then on XX/XX/XXXX. In the first instance, Chase 's records mistakenly coded the check as # XXXX. The images from the entries for both dates clearly show the check number to be # XXXX. The actual check # XXXX and corresponding images corresponds to a payment of {$120.00}, and that transaction is correctly coded for XX/XX/XXXX. For the second incorrect deduction from my account of {$930.00} on XX/XX/XXXX, the check was coded with no number at all in the Chase system. On XX/XX/XXXX, I was advised I would receive a call back within two business days regarding the matter. The call back I received was unsatisfactory as the caller from the Communications Department could not provide any information as to when the charge would be reversed, nor would he connect me to his supervisor. I was told I would receive a call from a supervisor within 2 days. I did not. On XX/XX/XXXX, I called Chase Banking to inquire why I had not received the promised call back. On this call, I was assured that the {$930.00} incorrect charge would be reversed within 2 business days. This credit has not occurred. On XX/XX/XXXX, I called Chase Banking again to inquire as to why the credit had not posted to my account within 2 business days as promised. After being disconnected prematurely by one operative, I finally reached an individual who told me that my account would not be credited until Chase Bank had recovered the funds from the external bank. When I reported that this response was insufficient, as I had already waited long enough for Chase to correct its error, I was informed there was no one I could speak with who could do anything else until my complaint 's project closure date of XX/XX/XXXX. If the matter was unresolved on XX/XX/XXXX, I was informed my only recourse would be to resubmit the complaint. Given how long Chase has stolen my funds, this is a completely unacceptable response.
Company Response: Closed with explanation

Timely Response

2019-06-13

Grover Beach, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to a new unknown recipient " XXXX XXXX '' at XXXX with XXXX address XXXX. On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. On XX/XX/2019, someone hacked into my Chase savings account and transferred {$1000.00} to my checking account with XXXX address XXXX. On the same day, someone hacked into my account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. I did not receive a notification for any of the XXXX fraud transactions. I was advised by Chase 's XXXX XXXX XXXX that any transactions with XXXX with XXXX to a new recipient or above {$1900.00} should be red flagged, and their fraud team should have to approve the transactions, or send me a notification. I first learned about the problem when I received an XXXX Funds notification from Chase on XX/XX/2019. I reached out to Chase immediately and they opened a fraud claim for me. On XX/XX/XXXX, I learned that the claim was denied. Chase said the transactions were legitimate because they were made via a local XXXX address. I was able to escalate the claim to Chase 's XXXX office, and Chase reopened the claim. A week later, Chase reached out to let me know that they had come to the same decision that the transactions were legitimate. They had not done any additional research to come to this decision - they had just repeated the research that the fraud team did initially. Chase then told me that I would have to provide my own evidence to prove myself innocent in order to get the case reopened. I compiled all my records in order to try and find evidence that would prove my innocence. I called Chase on XX/XX/2019, to ask questions regarding transactions on my account, in order to obtain details that may lead to evidence to help my case. It was during this phone call that the fraud team told me that the case was permanently closed and there was no way to open it again. I am trying to get my money back from the fraud charges. XXXX with XXXX has led to multiple fraud transactions for people all over America, and banks are not protecting their customers.
Company Response: Closed with monetary relief

Timely Response

2019-06-13

Graceville, FL

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-06-13

Mount Airy, MD

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-06-13

Oakland, CA

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response