JPMORGAN CHASE CO.

2019-04-08

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: XX/XX/2016 Reported {$2300.00} Reported as Identity Theft
Company Response: Closed with explanation

Timely Response

2019-04-08

Groton, MA

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

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

Was not notified of investigation status or results
Complaint: I have some issues of delinquencies on my credit report that I would like to have verified in writing from CHASE. CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX The following dates of delinquency were reported : XX/XX/XXXX : 30 days XX/XX/XXXX : 60 days XX/XX/XXXX : 90 days XX/XX/XXXX : 120 days XX/XX/XXXX : 120 days
Company Response: Closed with explanation

Timely Response

2019-04-08

FL

Fraud or scam

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

Complaint: After making a deposit payment ( XX/XX/19 ) to XXXX XXXX ( military veteran ) for a condo, we changed our minds within XXXX. He replied back to our email that he would refund us the {$600.00}. However, we never heard back from him. We executed a rental contract that we would receive the keys the morning ( XX/XX/19 ). When XXXX failed to provide the keys on time, we decided to cancel the agreement to find other arrangements. He responded sympathetically and agreed to return the money ... as long as we provided a screen shot that the funds indeed went through. I told my fianc not to send him the confirmation and instead contact Chase and or XXXX. Chase recommended we send a Request to Refund. We sent it and received no response. My fianc sent the confirmation email with hopes he would return the money. But, still no response. Can someone please tell us how to get this resolved? There must be something that can be done! If not for us, the millions of others that will stop using XXXX and other options if there is no sort of fraud protection. XXXX, FL We also confirmed this guys used a fake ad on craigslist as the condo he was offering never existed. XXXX # XXXX unit XXXX at XXXX XXXX XXXX FL. XXXX XXXX is a XXXX. That may not even be his real identity. His email is XXXX and he uses a XXXX phone number.
Company Response: Closed with explanation

Timely Response

2019-04-08

Chester, NY

Closing your account

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

Company closed your account
Complaint: On XX/XX/2018 chase closed all my credit cards and bank accounts, with no given reason. Further calls escalating the matter and talks with my chase private banker did nothing to help.
Company Response: Closed with explanation

Timely Response

2019-04-08

Robertsdale, AL

Incorrect information on your report

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

Information belongs to someone else
Complaint: # 1 CHASE CARD Closed : XX/XX/XXXX - {$5500.00} Closed Overview You're currently using 111 % of your account 's limit. Balance {$5500.00} Credit limit {$5000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$5500.00} Worst Payment Status No Info Account Details Account status Closed Type Flexible Spending Credit Card Responsibility Authorized User Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX # 2. Closed : XX/XX/XXXX - {$2200.00} Closed Overview You're currently using 104 % of your account 's limit. Balance {$2200.00} Credit limit {$2200.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$2200.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late 0/0/0 Closed These accounts belong to my Brother XXXX XXXX XXXX. I should not be on these accounts! I did not authorize my name being on these account.nor did I know about them until I investigated my credit. My older brother is in prison due to CC fraud and murder. Please help me these CC accounts are causing Lenders not approving me for loans and is effecting my credit score. Ive payed all my bills on time and my credit score is taken years to go up I didnt know about these fraudulent accounts. Im trying to resolve the issue but Chase want return my calls. Please help thank you XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-08

Chester, 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
Complaint: On XX/XX/18 I took an XXXX from XXXX XXXX to XXXX NY. I had Approximately {$80.00} in XXXX credits that expire monthly that I was happy to use as it was nearly the end of the month so I set the trip to charge my credits in full. However upon arrival in XXXX the XXXX drivers XXXX malfunctioned and showed the fare incorrectly as {$15.00} so only that was deducted from my credits, leaving approximately {$64.00} in XXXX expiring credit. The the next day ( XX/XX/18 ) the driver contacted XXXX and the fare was corrected, however now FRAUDULENTLY charging a chase card I had on file. This was an unauthorized charge, as my original ride was fully paid for in XXXX credits. This would be akin to a frequent flyer taking a flight, then landing and the airline charging his credit card INSTEAD OF DEDUCTING THE MILES. I contacted XXXX several times throughout the next few weeks, and received multiple incoherent responses from them. I then contacted chase who informed that since the credit card was in my XXXX account, XXXX has a right to charge it. XXXX refused to change the payment on the ride, and my credits ( I did not have a chance to utilize them in the following 24/48 hours ) were left to expire. I vehemently disagree with XXXX & Chase. I initially fully paid for my ride in XXXX credits, and if XXXX decides to change the method on me after the ride was paid in full, I need to be contacted. ESPECIALLY AS THERE WAS ENOUGH XXXX CREDITS AS INITIALLY SELECTED TO PAY FOR THE RIDE IN FULL. As you can see from my attached communication, the XXXX reps seemed to indicate that the " XXXX credits were not selected for the trip '' as you can see in my attachment of my communication with them and the initial receipt, this is patently false. Chase needs to refund me my money, as this is clearly a fraudulent charge that was not authorized.
Company Response: Closed with explanation

Timely Response

2019-04-08

Beverly, MA

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

2019-04-08

Jacksonville, FL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.
Company Response: Closed with explanation

Timely Response

2019-04-08

Bel Alton, MD

Incorrect information on your report

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

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

Timely Response

2019-04-08

Brooklyn, NY

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I had over XXXX ultimate reward points which I value for over {$6000.00} and the bank took it away after closing my account. The whole reason the bank recently closed my account was for having an old balance with them from a write off account, I had with them in the 2008 recession. Although, it was clearly discussed while I opened the account and I even offered them to pay it which they refused. They were totally ok and fine to open the account. Therefore, I'm very concerned about why they suddenly closed it now, after again being with them for a couple of years.
Company Response: Closed with explanation

Timely Response

2019-04-07

Melbourne, 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

2019-04-07

San Jose, CA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-04-07

Detroit, MI

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2019-04-07

Itasca, IL

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-04-07

Lowell, AR

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: My Chase credit card was stolen XX/XX/XXXX, followed by approximately {$2200.00} of charges within the day or maybe next day ( plus about {$200.00} of bank fees ). None of the charges were made by me. I reported the card theft to Chase that day, and the charges were adjusted off on my XXXX statement, showing a zero balance ( showing {$1400.00} cash advances before the adjustments ). Then, on about XX/XX/XXXX, I received a call from an employee of the fraud unit that informed me that those charges plus another {$780.00} of cash advances plus various service fees were being added back to my account. I explained that I had not made the charges, which led to a brusque accusation that since my PIN was used and she could not figure out how that could have been done by anyone else, I " had received benefit from this transaction. '' The only way to avoid it was to prove that I had not used the card. Since my 78 years of integrity and several years as a Chase card member was not sufficient proof, she said there was nothing she could do. I still do not know how anyone can prove a non-action. So, my XXXX statement showed all the charges, plus more service fees. I made the minimum payment, which was then reflected on the XXXX statement along with more service fees ; I made another payment on the XXXX statement. In the meantime, I also disputed the charges by letter with the executive in charge, which led to a curt reply from a person who claimed to be a representative of the executive unit and the final authority on any appeal, who stated that the prior action of the fraud unit was confirmed and that I had no other recourse. ( Through all this, I still have not seen the detail of the charges that were added after the XXXX statement, so I do not know when they were made. ) I am shocked at the total disregard of my statement that I did not make the charges as well as the subsequent arrogance and stonewalling of the fraud unit and the executive unit. How can Chase be allowed to prey on people who have no way to defend themselves! I initially thought I was being singled out but now realize after seeing many similar complaints on the CFPB data base that this is a common practice engaged in by Chase.
Company Response: Closed with explanation

Timely Response

2019-04-07

San Francisco, CA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: I have a Chase Ink Business card. I received in the mail a promotional offer for balance transfer for 0 % monthly interest rate until XX/XX/XXXX with a 3 % transactional fee of the total balance transfer. I took advantage of this offer online in XX/XX/XXXX. The total amount of the balance transfer was XXXX which posted on XX/XX/XXXX. The transaction fee of {$170.00} posted on XX/XX/XXXX. I made a payment of {$2500.00} on XX/XX/XXXX, expecting that it would cover the normal monthly charges of {$1000.00} ( I always pay the full amount every month ) and some of the balance transfer. On XX/XX/XXXX, I was charged {$17.00} interest, which I did not expect. When I called to inquire, I was told it's because I should not have put a balance transfer on a card that I use for other things. And that the interest was due to " how they applied the payments. '' The agent claimed this information was in the " fine print, '' but I find this misleading since it does not make sense that I pay interest charges on some nebulous amount that the agent could not describe to me. That information should be clearly laid out for people. The agent told me that if I had done it over the phone, I would have known.
Company Response: Closed with explanation

Timely Response

2019-04-07

Federal Way, WA

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: I received {$200.00} as savings account bonus for a promotion by Chase in XX/XX/XXXX. The bank reports this as interest income on XXXX XXXX. However, for the last year they didn't send me one. When I called them up on phone, on multiple occasions the representatives gave a false reply that they don't report this on a XXXX XXXX even though my husband received a XXXX XXXX for the exact same promotion in XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-07

San Gabriel, CA

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Complaint: On XX/XX/2017, my house was broken in and {$60000.00} face value of US Savings Bonds were stolen. I called XXXX XXXX Police and a crime report was written. I also reported to the Treasury Dept for the bonds being stolen. Treasury Dept directed me to submit some forms to verify identity, to identify the numbers of the bonds, and to convert the paper bonds into ibonds. OnXX/XX/2017, Chase Bank in XXXX Arizona opened bank accounts ( # # XXXX & XXXX ) for a person in the name XXXX XXXX XXXX by means of my social security number and California driver 's license number, and let this XXXX XXXX XXXX cash the stolen bonds for {$94000.00}. I do not understand why Chase Bank let this person redeem the stolen bonds even though the names on the bonds do not match this person 's name. Chase Bank hurt me gravely. 1.Treasury Dept asked me to pay back the {$94000.00} plus interest and penalty charges and sent it for collection. 2.Treasury Dept reported to credit agencies for a delinquent account of over {$130000.00} and interests were accrued daily. 3. IRS asked me pay tax on the earned interest as if I had cashed the bonds
Company Response: Closed with explanation

Timely Response

2019-04-07

Tarzana, CA

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: I like to get rid of all inquiries that are listed under Chase
Company Response: Closed with explanation

Timely Response

2019-04-07

Orion Twp, MI

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-04-06

Bronx, NY

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: I LOST MY BANK CARD AND SOME OTHER PERSONAL INFORMATION DURING THE WEEK OF XX/XX/2019. I DID NOT REALIZE THAT MY BANK CARD COULD POSSIBLY BE MISSING UNTIL I RECEIVED A TEXT THE EVENING XX/XX/2019 ABOUT A {$700.00} WITHDRAWAL WHICH I TEXTED BACK NO. I TRIED TO LOG ON TO MY CHASE ACCOUNT FROM MY PHONE AND WAS LOCKED OUT. I BEGIN TO RECEIVE EMAILS LATE NIGHT AND TRIED TO CALL BUT IT WAS TOO LATE TO CONTACT SOMEONE FROM CHASE WHICH I EVENTUALLY DID EARLY THE NEXT MORNING. THE LADY TOLD ME TO COME INTO THE BANK WITH MY ID AND SS CARD AND BIRTH CERTIFICATE WITH MY PARENTS AND I DID. THEY TOLD ME THAT MY ACCOUNT WAS RESTRICTED AND WILL BE CLOSED IN 10 DAYS BECAUSE OF TRANSACTIONS THAT HAPPENED ON MY ACCOUNT THE PERSON DEPOSITED CHECKS FROM THE ATM AND WITHDREW MONEY THEY SAID USING MY PIN NUMBER. THE PERSON ALSO WENT TO THE WINDOW AND WITHDREW MONEY. I WAS NEVER EVER ABLE TO LOG INTO MY ACCOUNT AGAIN ONLINE. MY FATHER WAS ABLE TO LOG ONTO HIS ACCOUNT AND LOOK AT MY HS CHECKING ACCOUNT AND SAW WHAT TRANSPIRED. I HAVE NEVER DEPOSITED ANY CHECKS INTO MY ACCOUNT OR EVER WENT TO ANY WINDOW TO WITHDRAW ANYTHING FROM MY ACCOUNT. THE ACCOUNT WAS OPENED SO I CAN RECEIVE MY SOCIAL SECURITY BENEFITS. MY MOM CALLED ON XX/XX/2019 TO DISPUTE WHAT HAPPENED AND TO HELP ME PUT A CLAIM ON MY ACCOUNT. THEY PUT THE CLAIM ON THE ACCOUNT FOR THE ATM WITHDRAWALS. THEY DID NOT PUT A CLAIM FOR WHAT WAS SITHDRAWN AT THE WINDOW. I NEVER HEARD ANY RESULTS FROM THE CLAIM. MY SOCIAL SECURITY CHECK WAS DEPOSITED IN THE CHASE ACCOUNT ON XX/XX/2019. THEY KEPT THE SOCIAL SECURITY CHECK AND SENT A BILL DUE OF {$13.00} AND SAID THE ACCOUNT WAS CLOSED AND CHASE WILL NO LONGER DO BUSINESS WITH ME. MY DAD TOOK ME IN THE BANK AND PAID THE {$13.00} AND WE STILL HAVE NOT HEARD ANYTHING ABOUT THE RESULTS FOR ANY INVESTIGATION. WHAT I CAN TELL YOU IS THAT THE WITHDRAWAL SLIP MY NAME WAS SPELLED WRONG AND THIS HAPPENED AT A BANK IN NEW JERSEY IVE NEVER BEEN TO.
Company Response: Closed with explanation

Timely Response

2019-04-06

City Of Sunrise, 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 explanation

Timely Response

2019-04-06

AL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: Being laid off cause me to have decrease in my income which cause financial hardship which also cause me to file bankruptcy. I also tried to get mortgage help from Chase and was denied 7 times. XX/XX/2018 I surrender my home back to chase after being denied mortgage help once again. the hearing took place the judge ordered the trustee to stop payments to chase effective immediately I moved out XX/XX/2018 received a check in the amount of {$100.00} from Chase applogizing for the delay in responding back so late on the mortage asst. well Chase forclosed on the home in XX/XX/2018 6 monyhs after the home was surrendered thru bankruptcy. How is this possible.
Company Response: Closed with explanation

Timely Response

2019-04-06

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: My late mother had a mortgage on her home ; she passed away in XX/XX/2018 and I have inherited the home, where I live. I have corresponded both in writing and on the telephone with the lender, Chase Mortgage, about assuming the loan under the provisions of the Garn-St Germain Depository Institutions Act. I get nothing from Chase but form letters saying the mortgage is not assumable, even after citing Garn-St. Germain to them. On hour-long telephone calls, I talk to several different people who, like automatons parrot " the loan is not assumable '', " the loan is not assumable '', even when I quote Garn-Ste Germain to them. No one will even admit Garn-St Germain exists, no one will tell me why the loan is not assumable. I just get stone-walled. I have been paying the mortgage under my mother 's name and SSN, so have lost out on any claim for mortgage interest tax deduction. I have had it with Chase Mortgage and intend to pay off the mortgage just to get shed of having to deal with this no-customer service organization. A big raspberry to Chase Mortgage ...
Company Response: Closed with explanation

Timely Response

2019-04-06

Peace Haven Estates, NC

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