JPMORGAN CHASE CO.

2019-06-04

N Palm Beach, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with monetary relief

Timely Response

2019-06-04

Allen Park, MI

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2019-06-04

Edgemere, MA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-06-04

Windermere, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-06-04

Las Vegas, NV

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-06-04

Las Vegas, NV

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-06-04

Houston, TX

Struggling to pay mortgage

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

Company Response: Closed with explanation

Timely Response

2019-06-04

Roseville, MI

Improper use of your report

Checking or savings account: Checking account

Credit inquiries on your report that you don't recognize
Company Response: Closed with non-monetary relief

Timely Response

2019-06-04

Baton Rouge, LA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-04

Corona, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-06-04

San Francisco, CA

Other features, terms, or problems

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

Credit card company forcing arbitration
Complaint: Chase sent me an email today with the innocuous title " Important information regarding changes to your Chase account '' ( they often use similar titles for ads and other communications ). In it, they force me into binding arbitration ( despite that never being something I had agreed to and never being a part of any contract between me and them ). They do include a method to opt out, but have no additional information about the consequences ( many other people I've seen who have had a similar problem are afraid that Chase will close their account if they opt out ) and, even more egregiously, despite Chase simply sending an email doing this, they require me to mail them a letter with my personal information enclosed in order to opt out. This is clearly less secure and a massive loss of both my time and money that is clearly being used solely to dissuade people from opting out. This is blatant malpractice by Chase.
Company Response: Closed with explanation

Timely Response

2019-06-04

Benton Harbor, MI

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-06-04

Bowie, MD

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-06-04

Nesquehoning, PA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2019-06-04

Knickerbocker, NY

Other features, terms, or problems

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

Credit card company forcing arbitration
Company Response: Closed with explanation

Timely Response

2019-06-04

PA

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Complaint: I purchased a flight to XXXX on XX/XX/2019 using my Chase ultimate rewards points. The trip was supposed to be XX/XX/2019 - XX/XX/2019 for XXXX flight XXXX XXXX to XXXX at XXXX and return XXXX to XXXX XXXX flight XXXX at XXXX. A few days before my flight, realizing I might not be able to make the early flight time, I called Chase Ultimate Rewards to see how much it would cost to change my flight to the same day, but at a later time. The representative that I spoke with said it would be {$120.00}. I thought that price was reasonable so I went ahead with the change. My flight was then supposed to be changed to XXXX on XX/XX/2019 at XXXX. The next day I received an email from Chase " XXXX '' " Dear Mr. XXXX '' We are contacting you in regard to your recent change made with Chase Travel. Due to difficulties with your credit card, we can not reissue your ticket ( s ). Consequently, no money has been deducted from your account. This means that your original flight reservation has been cancelled and at this time your new reservation has not been confirmed. We apologize for the inconvenience this has caused. In order to confirm your reservation, you will need to call us as soon as possible. Please contact us at [ Phone Number ]. We are available 24 hours a day, 7 days a week. Please do not reply to this e-mail as this mailbox is not monitored. Sincerely, Chase Travel Air Support Desk '' I called into Chase Ultimate Rewards because Chase canceled my original flight and didn't book my new flight. After speaking to the supervisor at Ultimate Rewards, She was able to get me onto the same exact flight on XXXX at XXXX on XX/XX/XXXX, however the return flight was sold out and I needed to return the next day on Monday XX/XX/XXXX instead of my original return flight on XX/XX/XXXX. Due to the error by Chase Ultimate Rewards, the supervisor I spoke with said that she is going to charge me the original change fee of {$120.00} and that Chase would cover the difference. However after my trip ended, I noticed a charge from XXXX XXXX for {$720.00} for XX/XX/XXXX that was posted on XX/XX/XXXX. I've since called Chase Ultimate Rewards multiple times and spoke to multiple supervisors to rectify this issue and have two open case numbers in regards to it. Chase said they would listen to the recordings and contact me back with the results of their investigation. I have spoken with 6 Supervisors at Chase since then and nothing was resolved. I then received an email from Chase yesterday and it said " Thank you for giving Chase Travel the opportunity to address this matter. We apologize for any inconvenience you've experienced. We have completed our investigation and have made the following determination. During your recent call with us, it was confirmed that your original flights booked on XX/XX/2019 were not available in the class of service you originally purchased. One of our supervisors provided you with this information and stated that there would be no extra charge other than the {$120.00} for the exchange. While we are unable to provide the requested compensation, please be assured we value you as a customer and appreciate your business. We regret we are unable to provide you with a more favorable response this time. '' After receiving this email, I have decided to contact the Consumer Financial Protection Bureau. From booking a flight with rewards points that is more or less free to getting charged {$720.00} for something that should have been {$120.00} is burdensome. And having to deal with Chase for months to resolve this issue for it to finally not get resolved in any sort of way was disappointing and infuriating. Chase never even gave me the {$720.00} figure, because they told me they would cover the difference and I would only pay the original price quoted. If they would have told me it would cost {$720.00}, I would have told them to forget it. This flight was in essence free with points, then {$120.00} to change, and now I'm getting charged {$720.00} and Chase refuse to refund me back the difference. Thank you for your attention to this matter.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-04

Blue Springs, MO

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

Timely Response

2019-06-04

Fraud or scam

Money transfer, virtual currency, or money service: International money transfer

Complaint: I am a customer of XXXX XXXX in XXXX Transfer of funds to banks JP MORGAN XXXX $ After I realized that the company I worked with was making a fraud I complained to the SEC complaint number XXXX I asked the American banks for my money back And they refused me. The bank knows that these accounts are of crooks, and does nothing.
Company Response: Closed with explanation

Timely Response

2019-06-04

Federal Way, WA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: Opened a college checking account with Chase. Deposited 2 checks in 2 days, each for {$2000.00} ( from parent ). Funds were held until checks cleared, at which point Chase immediately closed the account. The closure letter, dated XX/XX/XXXX, said a check for the funds would be sent. It's now XX/XX/XXXX and no check has been sent. Chase indicates they are waiting to " verify '' the already-cleared checks. They won't say what " verifying '' means or when that might happen.
Company Response: Closed with explanation

Timely Response

2019-06-04

Prunedale, CA

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 non-monetary relief

Timely Response

2019-06-04

Chula Vista, CA

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
Company Response: Closed with explanation

Timely Response

2019-06-04

Oxford, GA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: My information was used to obtain a loan from Chase Bank. I have mailed in documentation to the financial institution denial of financial responsibility forms signed by a notary. The companies have not stopped harassing me and they want me to pay for something associated with fraud. I have requested a contract with a signature that belongs to me and they have yet to produce one whatsoever. I have mailed to them proof that the debt and loan does not belong to me and they have not produced any validation of any agreement that verifies I have any loan or promise to pay Chase Auto or any financial responsibility.
Company Response: Closed with explanation

Timely Response

2019-06-04

Arlington, VA

Other features, terms, or problems

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

Credit card company forcing arbitration
Complaint: On XXXX XXXX XXXX, Chase sent me a emails stating a Change to my Account Terms for each of my credit cards. These terms changes stated that ( among other things ) I have to settle any disputes through arbitration, unless I mail them a written letter that I do not agree to arbitration. Why should they be able to send this notice via email, but to decline I have to mail a written letter for each of my accounts?
Company Response: Closed with explanation

Timely Response

2019-06-04

Ocklawaha, 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 XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me
Company Response: Closed with non-monetary relief

Timely Response

2019-06-04

Atlanta, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Chase Bank - Fraudulent Transaction. During a stay at a hotel in New York, I used my laptop connected to the hotels wifi to log into my Chase online bank account to pay a bill. I used an online bill payment feature to have a {$65.00} check sent. To the best of my recollection, this was late in the evening of Thursday, XX/XX/2019. The following Monday, XX/XX/2019, while doing my expense report from my business trip, I accessed my account again and saw an additional transaction, XXXX with XXXX payment to XXXX XXXX in the amount of {$1800.00} had posted to my account on Friday, XX/XX/XXXX, in addition to the {$65.00} check I had logged in to send. I immediately called Chase to report this transaction as fraudulent as it was not authorized by nor initiate by me. They opened an investigation and temporarily refunded the {$1800.00}. I also called the hotel to let them know this appeared to have happened on their wifi network. I additionally visited a Chase bank branch as instructed by the phone representative to close the old accounts and open new replacement accounts. A few days later after the {$65.00} check cleared the old account, Chase closed both my old checking and savings account. On Monday, XX/XX/XXXX, I learned that Chase had denied my fraud claim and they withdrew the {$1800.00} temporary refund. Upon calling, and visiting a bank branch immediately, I was told that the denial was a final determination and I have no further recourse with Chase to appeal their conclusion or request a more in-depth investigation. Chases investigators never contacted me, nor did they request any additional information or a signed statement beyond the information I gave the phone representative during my initial call on XX/XX/XXXX. Chase will only share general details with me as to their determination that it was an authorized transaction. They say that there were no fraud triggers ( i.e. failed sign-in attempts ) and that it appears to them that my authorized device was used for this transaction. They wont confirm to me if this was determined based on the IP address that initiated the transaction. Upon receiving Chases denial, and their refusal to reopen the claim, I did some research on XX/XX/XXXX and found the news article below, detailing a known fraud scheme involving another Chase/XXXX transaction. Tech expert XXXX XXXX at XXXX XXXX said it's happening to people across the country. Hackers have found ways to remotely access a consumers ' account from a customers ' IP address and send money to themselves in a matter of minutes. Full article linked here : https : XXXX I would appear to have fallen victim to this method. Chase clearly knows this method of hacking ( this news story is about a Chase account holder ) and is refusing to reconsider their determination.
Company Response: Closed with monetary relief

Timely Response