JPMORGAN CHASE CO.

2019-05-26

Auburn Hills, MI

Improper use of your report

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

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

Timely Response

2019-05-26

Fithian, IL

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: I went to the Chase ATM located XXXX XXXX XXXX, XXXX, Illinois on XXXX XXXX. XX/XX/2019, to deposit some cash to my checking account. I made four deposits in total and the first three successfully went through my account. However, the last one didn't. After inserting XXXX* {$100.00} bills in ATM, the ATM crashed and said : " we are having some trouble '' and gave me a receipt. So they basically ate {$2900.00} dollars ... I called the customer service and they told me I'll receive some credit and send me an email about this. However, I haven't received any credit or any email about it. They wouldn't even tell me how long will this matter be disputed.
Company Response: Closed with monetary relief

Timely Response

2019-05-26

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XX/XX/2019, my Chase checking account was hacked. A person I have never dealt with or met in my life stole {$1400.00} from my account of which {$1500.00} was present. I informed Chase of the fraud and they refunded my account, allowed me to withdraw my money, and close the said account. However, on XX/XX/2019, Chase is calming the fraud was in fact not a fraud and is demanding I pay the money back to them. 1. The total amount in my account was {$1500.00}. 2. My rent, which ALWAYS comes out through auto-pay, is {$1500.00} due on XX/XX/2019. 3. I have no direct deposit or income source that is transferred into the chase account. 4. Chase claims that I am lying and that I, for some idiotic and psychopathic reason, decided to quick-pay my rent to a random man that there is ZERO records of me ever dealing with before. 5. I have many other accounts that were also hacked such as : XXXX XXXX, XXXX XXXX, XXXX account, and XXXX. 6. The man who supposedly hacked my account is named XXXX XXXX. A BASIC name search shows no XXXX XXXX residing in the United States. I believe that Chase has access to all of this information because of the ease that even an incompetent child could access it. However, they instead try and steal money from my account rather than do their jobs. Lastly, I would like to close with a logic question. If a man has rent due on the first of every month and that rent has been set to autopay for the last 5 years on the exact day, would a sane person decide to quickpay all of the money is his account to a strange whom he has never done business with and that resides outside of the United States?
Company Response: Closed with monetary relief

Timely Response

2019-05-26

Salton City, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I have submitted complaint ID XXXX and received a response that Chase did not recognize me as their customer. My concern is that Chase is not exercising ordinary care in honoring checks that are presented to be debited from our accounts or in addressing errors made by Chase when brought to it's attention. I identified 3 instances, two for which I am authorized on the account. I will attach the documentation so that Chase has the account numbers and can verify my authorization. I have already confirmed with Chase subsequent to receiving the closing of complaint ID XXXX that I am authorized to discuss these accounts. The third is my mother 's personal account and she will be submitting a separate complaint for it. First error - Chased honored a single check number # XXXX twice and didn't catch it. Copies attached ( checking account number on the check copy. ) Second error - Chase submitted a loan payment to the issuing bank twice. I made 5 loan payments that day - 3 from a XXXX XXXX XXXX operating account and 2 from a Chase operating account. Chase submitted the 3 XXXX XXXX XXXX loan payments twice. When I brought this to Chase 's attention at the branch where I made the payments, I was initially dismissed and was told they could not do anything. I escalated this through our commercial loan contact, but it was mishandled every step of the way and I was never given a satisfactory answer as to why this only happened with my XXXX XXXX XXXXXXXX accounts. They stated it was a duplicate batch error, but if that was the case the Chase accounts should have been debited twice as well. You'll notice that the check number was not submitted to XXXX XXXX XXXX with the duplicate debit. Copies attached ( Chase loan numbers in the memo section. )
Company Response: Closed with explanation

Timely Response

2019-05-26

Clermont, FL

Other features, terms, or problems

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

Other problem
Complaint: I booked an international hotel through my XXXX chase credit card which I paid approximately {$100.00} in cash and the remainder in rewards points. I followed the check in instructions and called the property 24 hours prior to check in. XXXX, the contact person confirmed everything was fine and set for my arrival. The day of as I am on my way, XXXX contacts me to tell me she made an error on her part and decided to rebook me on the other side of town at a downgraded hotel without asking my consent. She refused to honor my reservation. I called XXXX and the representative placed me on hold even after I told him I am calling internationally and would prefer a call back, just to tell me there's nothing he can do and he can not refund me. All he can do is transfer me to another department that can rebook me else where and I would be responsible for the difference. I had already reached the hotel by then since we were in the taxi already and now I have to stay in a downgraded facility with no AC or WIFI and I am paying the price for this error that was not on my end.
Company Response: Closed with explanation

Timely Response

2019-05-25

Great Neck, NY

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

2019-05-25

Dayton, OH

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-05-25

Arco, CA

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: In mid XXXX my personal and business Chase credit cards stopped working while trying to get gas. After receiving no calls, texts or emails asking if " I was trying to use my card at a gas station '', I gave chase a call on the XXXX number provided on the back of the cards. I informed the customer service representative that I was trying to buy gas and my cards were being denied. The lady informed me that my accounts were closed, after a few minutes of arguing and insisting that my accounts were not closed, I realized that it was Chase that closed my accounts. When I asked the customer service representative why Chase would do such a thing since I had never been late on even one payment, she informed me she was unable to tell me. As a Chase Sapphire Reserve card holder and a Chase " Private Client '' ( heck even as a regular client ) that answer seemed highly unsatisfactory. I asked to speak with management or someone who could provide the answer. When I spoke to management they told me they WOULDN'T provide information as to why my accounts were being closed. They also informed me that it was not only my credit cards but my personal, savings, and business checking accounts were also being closed. This infuriated me as there seemed to be no reason for the closures, and if there was an explanation it was not going to be given to me. Again to be clear I have never bounced a check, been late on a payment, or had my account over draft ... not once. After many phone calls to customer service attempting to get an answer and receiving roughly the same information. Some stated that it was only my credit cards that were shut down, others stated it was all my accounts with Chase. It was even more confusing because my debit cards were still working. After visiting a branch yesterday to make a deposit I spoke with a manager at the location who confirmed I had until XX/XX/XXXX to withdraw funds and find a new bank or the remainder of the funds would be sent to me via check and the accounts closed by Chase permanently. ( Why was I never given notice when this decision was made weeks before? Why was I not given this information when contacting customer service via the XXXX number? Why am I not being provided with the reason as to why my accounts are being closed? ) After speaking with my accountant, family and friends as to why this is happening, many asked if I made large cash deposits ( large is a relative term ). I make roughly {$10000.00} a month cash deposits currently to my business checking account from transactions made at my business. $ XXXX+ is made monthly by my credit card processing company " XXXX ''. That means my cash deposits equal roughly 5 % of my businesses volume. Two large deposits were made over the past 5 years, {$60000.00} and {$100000.00} both by XXXX XXXX XXXX ... the lending division of the well known multi XXXX dollar credit card processing company.
Company Response: Closed with explanation

Timely Response

2019-05-25

Washington, DC

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XX/XX/2019 I received a notification from XXXX XXXX that according to my XXXX credit report someone added me as an authorized user to their JPMCB CARD. I never authorized anyone to add me as an authorized user for any credit card. I attempted to resolve the issue with JP Morgan Chase ; however, was transferred to four different people all claiming they could not assist me. I made another attempt today and was kept on hold until the department I was trying to reach was closed. I am trying to get myself taken off some stranger 's account before my own credit becomes affected. I also attempted to file a dispute with XXXX but I keep receiving a message that their system is down. I reached out to XXXX XXXX but was told they are experiencing high volumes.
Company Response: Closed with explanation

Timely Response

2019-05-25

Brooklyn, NY

Fraud or scam

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

Complaint: On XX/XX/2019, I purchased XXXX XXXX XXXX Tickets via XXXX through my Chase mobile app. The seller had listed their ad on XXXX, and I sent them {$100.00} for the tickets. They informed me they would immediately send the e-tickets to my email, but they never did. They then blocked my number. I called Chase almost immediately to try to stop the pending transaction, but they informed me there is nothing that they can do, and that I need to figure it out myself.
Company Response: Closed with explanation

Timely Response

2019-05-25

Yeagertown, PA

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: Made contact with company regarding hard Inquiry. Sent documentation via certified mail, company failed to comply according to FCRA guidelines.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-25

Long Island City, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: This is a follow up for my previous complaint. Im adding more details this time. The bank sent me a text message asking me if I purchased something for the amount of {$3300.00} on XX/XX/19 and I immediately said no ( I was sleeping at that time- the message woke me up ). I called Chase bank to report that transaction as unauthorized and to ask them to send me a new card since I was afraid that my information was being compromised. I opened a case for them to investigate because I was not the one that made that purchase. That day, hours later I saw an email thanking me for purchasing a computer on XXXX and I immediately sent a couple messages to the seller ( 4 messages ), asking that person to please cancel the order and explaining that it was not me- that someone hacked into my account or something. The person never answered back, and instead provided XXXX with a tracking # and shipped the computer. A few days later, I received an empty package with the tracking # they provided to XXXX, I immediately called the police department and the officers saw the empty/small Package. I even recorded a video of myself obtaining the package from the mailbox and opening it. What was really strange is that the package needed a signature, however I was not home at XXXX ( the time it arrived ) and nobody was, but when I requested the proof of delivery on usps- I found out that a person called XXXX XXXX signed for it ( nobody here with that name ) and its not even a regular signature. On top of that, the address that person wrote is XXXX, not XXXX which is mine. Also, the package was empty and small, not XXXX like stated. Anyways, I filled up a police report and talked to the detective the day after, they told me that the only thing they could do was asked XXXX for an XXXX address and it could take up to 3 months. I sent the police report and screenshots of the video to Chase, I could not sent them the video because they only receive documents through fax. A few days ago, I received a letter from Chase telling me that they were closing the investigation and they found that it was authorized. I could not believe it. They told me that the police report was not proof of anything. What about the screenshots of the conversations and the empty package? They did not answer to that. I asked them to sent me what they found, and they sent me the tracking number. I had the tracking number from the beginning and I do not understand how could that prove that I made that purchase??? I did not and I reported it right away. I asked them to re-opened the case and three days later they told me that I had to ask the seller for my money back, not them. However, that was a debit card account, my money, and the seller scammed me. I also read online that its not the first time swing computers does something like this, a lot of people have complaints similar to mine- that person is aparently really good with computers too. That money was for my tuition and I thought that it was going to be safe or that I was going to obtain it back since it was a fraudulent purchase that I did not make, but that was not the case. I have called Chase Bank almost every 3 days since that happened, and they never find a solution for me, instead they ignore me even thought I have valid proof of what I am saying.
Company Response: Closed with explanation

Timely Response

2019-05-25

Foothill Ranch, CA

Fees or interest

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

Charged too much interest
Complaint: Chase closed my account due to an error where they allowed XXXX XXXX to overcharge me. I paid off the balance as of XX/XX/XXXX. The entire balance was paid in full as per the the phone attendant I spoke with. I asked what the entire balance was and I paid it. 2 months later they are asking for more money. This is ridiculous. This company is a thorn in my side and its non stop.
Company Response: Closed with monetary relief

Timely Response

2019-05-25

Cherry Hill, NJ

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-05-25

PA

Closing your account

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

Company closed your account
Complaint: On XX/XX/2019 I had a XXXX XXXX credit card issued by Chase Bank. I was charged the annual fee of XXXX dollars. I paid this amount. About 10 days later my account was frozen and then chase decided to close my account. I believe they committed fraud as my credit history couldn't have gone from giving me a credit limit of XXXX dollars to closing my account in less than 3 weeks. I would like a refund of the annual fee go towards my account balance or my account reopened.
Company Response: Closed with explanation

Timely Response

2019-05-25

Stockbridge, GA

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-05-24

Brooklyn, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-24

Bronx, NY

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-05-24

Beaumont, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-24

Escondido, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-24

Hayward, CA

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

2019-05-24

Davis, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with monetary relief

Timely Response

2019-05-24

Baltimore, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-24

Oxnard, CA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-05-24

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: On XX/XX/2019 a representative called my house phone, I wasnt available so my XXXX daughter answered. After my availability was stated the representative was aware that I wasnt available and he continued to speak to my minor daughter. He explained to her that I owe the company money and if the debt wasnt paid I will be going to jail. Unfortunately because I wasnt available I dont know all the details of the conversation. I found out that night when my XXXX XXXX XXXX daughter woke me up crying, asking if I go to jail where will her and her siblings go live, which had confuses me. my daughter explain to me what the representative on the phone said to her, she then told me she took it upon herself to pay the in accurate debt due to her being scared with my debit card. I question my daughter about the payment and she told me that the representative walked her through the payment process. He gave her some type of number. When I noticed the name of the company it had become familiar that I just received something in the mail from them a few weeks prior. Not only they made a XXXX XXXX XXXX pay this account, but the amount was inaccurate. I then asked my daughter why would she make any payment without coming to me first and how much was this debt? She said {$1600.00} I lost my mind. I went to go look for the letter that was sent to me a few weeks back. When I found the letter, Not only it was unacceptable but it was the wrong amount. The representative made her pay {$1600.00} and the man knowing the letter of the debt states {$1300.00}. I have submitted both the letters for {$1300.00} settlement notice and a confirmation of payment of {$1600.00}. I spoke with my children and explain to them that under no circumstances they are allowed to pay anything without my consent since then Ive been getting harassed with letters and phone calls from Chase bank stating I still owe a debt although in the past I had submitted police report of a home invasion showing my information was stolen and missed used. I also told chase and client services, obviously it was someone who I knew or know and who is always in my home, but I couldnt pinpoint who it was because I have multiple people in my home which at this time I did stop everybody from coming to my home, because Im not sure who has done this. i just received a letter in the mail on XX/XX/2019 from XXXX from chase harassing me including calls. i explained although the debt was paid inappropriately by a child, but the debt is paid and to please stop contacting me.
Company Response: Closed with explanation

Timely Response