JPMORGAN CHASE CO.

2019-05-14

IN

Closing on a mortgage

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

Complaint: you still have not sent me a copy of my signature on any kind of deferred payment! And you still don't explain the interest charge?
Company Response: Closed with explanation

Timely Response

2019-05-14

Garland, TX

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-14

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-14

Glendale, CO

Other transaction problem

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

Complaint: On XX/XX/2019 I opened both a checking and savings account with JPMorgan Chase due to a promised bonus of getting {$200.00} for a new checking account, and {$150.00} for a new savings account. To meet the initial deposit requirement, I deposited {$250.00} into the checking account on XX/XX/2019. I initiated a transfer of {$10000.00} on XX/XX/2019 from an XXXX account to the JP Morgan Chase savings account ( due to the requirement of {$10000.00} being deposited into the account within the first 20 days of the account being opened ). I was notified both of my accounts were suspended on XX/XX/2019 via attempting to sign into the Chase Application. I called JP Morgan Chase XX/XX/XXXX and they insisted I visit a branch to prove I had the money in my XXXX account. I met with a banker at a JP Morgan Chase branch location on XX/XX/XXXX. I proved my XXXX account had sufficient funds ; per the bankers guidance ( I have his business card ) I reinitiated the transfer. I was ensured my account was no longer suspended at that time. On XX/XX/XXXX I was notified my accounts were again suspended and my accounts would be closed via the Chase App and upon calling JP Morgan Chase directly after receiving the notice. I also received a letter dated XX/XX/XXXX that my accounts with Chase bank were suspended and closed and that I would not be notified as to why, ever, " at any level ''. At that time I had {$230.00} in my chase checking account, and {$0.00} in my chase savings account. I was ensured via the written letter that no transactions, debts, or transfers would be completed. I was ensured via a phone conversation on XX/XX/XXXX, that no transfers would be completed and that the {$230.00} would be sent to me via a written check. No date was given for the check to be received, even upon request. I have no direct access to my accounts with Chase and have not been able to access the information regarding the suspended checking, savings account, as well as my credit card. On XX/XX/XXXX I transferred the {$10000.00} from my XXXX checking account to my XXXX savings account due to the information that the transfer would not be completed per JP Morgan Chase 's both written and verbal communication. On XX/XX/XXXX Chase bank withdrew from my XXXX account, {$10000.00} thus over drafting my XXXX account and thus forcing XXXX to freeze all of my accounts. I am now locked out of both banks. Upon contacting Chase immediately upon seeing the debt from the XXXX account, on XX/XX/XXXX they said that they haven't received the money, but " should '' they receive it- they will send it back within 4 business days. I asked for this in writing, and they refused. I asked if this is a policy, they said no. I do not have faith that Chase bank will return the money to my account- I believe this to be attempted theft. I contacted XXXX bank. They have frozen my accounts and due to the {$10000.00} being transferred between two XXXX accounts I am now deficient {$20000.00}. I have incurred " Overdraft fees '' with my XXXX account.
Company Response: Closed with explanation

Timely Response

2019-05-14

Cheverly, MD

Fees or interest

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

Charged too much interest
Complaint: I opened my Chase account XX/XX/2017, I have been making the payment on time since 2017. Last year, I had a minor XXXX and I was unemployed for six months, it kept me so behind on my bills since I didn't have a job. I explained this situation to many chase reps and asked them to help me with my financial crisis. I also asked them to waive the late fees and also reduce the interest charges because it's too hard to pay off with my situation. They refused to waive the late fees which is {$37.00} and also refused to waive the interest charges. Now, my balance is {$9100.00} and I started my card with {$8300.00} limit. My minimum payment is {$1800.00} and it keeps showing on my credit report as a delinquent account. I spoke with many people and they all are helpless. They do not help at all on the other hand, XXXX XXXX really helped me out when I was in a same situation. I can not pay such a high amount because I don't make much and I am also an XXXX XXXX so it's super hard to pay off the whole balance.
Company Response: Closed with monetary relief

Timely Response

2019-05-14

Stockbridge, GA

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

2019-05-14

Co Spgs, CO

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-14

Tarzana, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: Transaction Date:XX/XX/2019 Transaction Time:XXXX XXXX Term ID : XXXX Sequence Number : XXXX Deposit Amount : {$2600.00} I was depositing {$3500.00} ( XXXX dollar notes ) to my checking account at the drive through ATM and the machine gave back {$900.00} dollars and the screen said {$2500.00} received and since there was a {$100.00} dollar difference i cancelled the transaction thinking I'll go in person and deposit but after pressing cancel, the machine asked me to take my card and printed a receipt which said Call a XXXX number to make sure the transaction went through. I called that number immediately and the customer service tech from Chase said they will credit my account within 12 hours. I called them after 12 hours and they said call back after 6 hours. I called them again after 6 hours and they said it will take them 10 business days to investigate this transaction. Not sure what to do at this point. Please help ... .. I have the receipt with me.
Company Response: Closed with monetary relief

Timely Response

2019-05-14

Miami, 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

2019-05-13

South Bend, IN

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-05-13

Baldwin, NY

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

2019-05-13

Oakland, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-05-13

Dairyville, CA

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-05-13

Cypress, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-05-13

First Consumers Nat Bank, OR

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-13

Bronx, NY

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation

Timely Response

2019-05-13

Boston, MA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-05-13

Smyrna, SC

Incorrect information on your report

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

Account status incorrect
Complaint: Report Id number Credit Reporting agency ; XXXX Called in On the following date- Monday XX/XX/2019. Spoke to an Credit dispute department at chase per phone call, the agent did agree, the Banking details where place incorrectly / there was a call of correction that were made Prior call give indication payment was process as a ( Payment missing digit ) was told by chase agent that late fees where removed/ and was told it wouldn't update or report. to Credit Reporting agency and awardances of XXXX airways points would be added to my account as well. As it show there are no late fees are payment reversal fees they have been Corrected and Credit. The reason for my contact by internal Message is to reqest the removal of these late payments on the Credit Report. As you may review the account all payments are up to date. everything has been Correct the most important Correction would be to the Credit Reporting agency. As it shows perdate of XX/XX/2019 potentially damaging update this card has provided me an Great travel experiences. and with my great payment history for the past 10 years of Credit history, I would like to continue the usage thank you
Company Response: Closed with explanation

Timely Response

2019-05-13

Belmont, CA

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble getting, activating, or registering a card
Company Response: Closed with non-monetary relief

Timely Response

2019-05-13

DE

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I closed my account in 2011 why is it still reporting to all three bureaus. This company refuses to remove the reporting of this old account. Why do they have the right to hold an old account such as this still reporting?
Company Response: Closed with non-monetary relief

Timely Response

2019-05-13

Heathrow, 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 monetary relief

Timely Response

2019-05-13

Coatesville, PA

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

2019-05-13

Rncho Domingz, CA

Fraud or scam

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

Complaint: I contacted an individual on XXXX for concert tickets sometime early XXXX. The person had an account that seemed legit and answered all of my questions. This person fooled me into thinking I would exchange cash for the tickets as agreed upon. I asked this individual for the required information and for pictures. Once we made an agreement, I transferred the money on XX/XX/2019 and this person did not send me anything. In fact, the person disconnected their phone number and deleted their XXXX account. I was not able to get my money back as I sent the money through Chase XXXX. I did not know that Chase XXXX did not protect against this. I want a resolution to this and I want to ensure this situation does not keep happening to others.
Company Response: Closed with explanation

Timely Response

2019-05-13

Tarzana, CA

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On or about, XXXX XXXX, 2019, I called Chase to hear my balance, and I discovered that there was a charge that I hadn't made to XXXX for {$570.00}. I told the Chase agent about the fraudulent charge, and she cancelled the card, took off the charge, and mailed me a new card. A few weeks later, Chase called me and asked me whether I knew XXXX XXXX. I replied that I did. They continued with, " that name is on the fraudulent charge, and so is his email address ''. We got off the phone, and I thought that was the end of it. On XX/XX/2019, I again called Chase and after listening to the automated message regarding my account, I heard that the XXXX charge was put back on my account. The charge was reinstated on my new card. I didn't know why. I immediately spoke to XXXX in the fraud dept. and was told that the charge was put back on my card because I knew the purchaser. I do not know him. He is my travel agent 's business partner and I am familiar with his name. My travel agent spoke to XXXX, and he did not know anything about this charge. He does not have any access to my credit card information. I have received nothing in writing from Chase with any final resolution ( that my fraud claim was rejected ), nor have I received in writing any evidence supporting the rejection, other than a phone call asking whether I knew the purchaser. The charge has not been removed. I have gone into the Chase branch on XXXX XXXX. in XXXX, XXXX. I spoke to a branch rep, who referred me to XXXX, head of the fraud dept. in XXXX. I submitted a letter written and signed by my travel agent, XXXX. This letter was submitted electronically to XXXX on XX/XX/2019. I spoke to XXXX on XX/XX/2019. XXXX told me that the purchase was credible, and there would be no refund to my card.
Company Response: Closed with explanation

Timely Response

2019-05-13

Cheverly, MD

Applying for a mortgage or refinancing an existing mortgage

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

Complaint: I applied for an equity loan with Chase and was declined because of a low credit score with XXXX. My XXXX score is XXXX and the representative said it was XXXX. I feel Im being discriminated against after I said I am XXXX XXXX. When I asked how do I appeal he gave me the wrong email. When I asked a second time he gave me the correct email and his demeanor changed when I told him I was registering a complaint. I want to purchase my parents home by paying off my siblings for XXXX. The house is paid for so I would increase my net worth. Some people just dont want to help others succeed even though they have been in good standing with the bank for many years.
Company Response: Closed with explanation

Timely Response