JPMORGAN CHASE CO.

2019-04-01

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

2019-03-31

Atlanta, GA

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: Bottom line up front : My Chase card was charged by XXXX XXXX for THREE refrigerators, and only ONE refrigerator was refunded to my card, meaning that I've paid for TWO refrigerators but only received ( and only purchased ) ONE refrigerator. TLDR : I dispute a charge with Chase Sapphire Reserve, who passes me on to their fraud department. Fraud department takes ~6 months and three investigations before passing me back to Chase disputes. Chase disputes then tells me that I now can not dispute the charge b/c too much time has passed ( as if I had any control over the timeline! ) Detailed notes follow : XX/XX/XXXX : I purchase a refrigerator on XXXX ( Order # :XXXX ) for {$990.00}. ~XX/XX/XXXX : Refrigerator # 1 arrives at our home. It is the wrong size ; I need a counter depth fridge and this one is too deep. In a phone call, a XXXX XXXX associate informs me that the only way to have them pick up the refrigerator for free is if I buy a new refrigerator first. When the drop off the new fridge, they'll pick up the first one. XX/XX/XXXX : I call XXXX XXXX store XXXX ( XXXX, GA ) in which I'm told that the only way to receive a military discount is if I come purchase the fridge in store. I give my credit card number to them understanding it is needed to hold the fridge, but in actuality the associate keys in my credit card number and charges my card {$1200.00}. ( Invoice # XXXX. Running total of charges equals {$2200.00} ). XX/XX/XXXX : I come into the XXXX, GA XXXX store ( XXXX ) and speak with Asst. Manager XXXX, who takes me to the register where I insert my card to purchase the 2nd refrigerator ( with a store promotion and military discount applied ). My card is charged {$970.00}. ( Invoice # XXXX. Running total of charges equals {$3200.00} ) XX/XX/XXXX : The new refrigerator - the one I purchased in store - arrives at our house. They install it and haul away the originally purchased fridge. A credit for {$970.00} is applied to my credit card. ( Running total of charges equals {$2200.00} ). NOTE : I NEVER RECEIVED THIS THIRD ( {$1200.00} ) REFRIGERATOR! ~XX/XX/XXXX : I realize I have two charges for XXXX XXXX from XXXX XXXX. ( {$1200.00} and {$970.00} ). I call the store, Asst. Manager XXXX tells me that he can't see the {$1200.00} charge. ( In retrospect, I believe it was b/c the {$1200.00} charge was made on XXXX XXXX and he was only searching for a purchase on the XXXX. ) XXXX tells me that I need to dispute the {$1200.00} charge with Chase. ~XX/XX/XXXX : I initiate a dispute for the {$1200.00} charge with Chase. ~Mid-XXXX, XXXX : I follow-up with my dispute, and a Chase representative asks if my credit card was ever out of my possession. I respond in the negative, and Chase proceeds to send me to the fraud department and change my credit card number. ~Mid-XXXX, XXXX : Chase sends a letter in the mail that simply states that the fraud investigation has been closed, and the charge is deemed valid. No process, findings, or next steps are disclosed. I call multiple times before speaking with a representative, who proceeds to appeal the fraud decision, but she is unable to give me any details as the the reason why the charge is valid. ~XX/XX/XXXX : Chase sends me another letter that simply has the same message. " The charge is valid. '' Again, no explanation is given. I call 4-5x before reaching XXXX in the fraud department. She tells me to email my supporting documents ( XX/XX/XXXX online receipt, credit card statements, and the story ) to her boss XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX : I email XXXX XXXX 3x and never hear back. I call XXXX 5x and am never responded to. In this two week period, I receive 1 call from a Chase 800 number, but no voicemail is left and no one responds when I call it back. XX/XX/XXXX : I receive a 3rd letter with the same message. " We confirmed that the transaction ( s ) is valid. '' I call Chase and am passed on to the " Security '' team, who inform me that the {$1200.00} charge is likely a double charge from XXXX XXXX, and therefore not, fraudulent, and that I need to work directly with XXXX XXXX. XX/XX/XXXX : I have multiple calls with XXXX XXXX corporate, who direct me to speak with the store directly since they double charged me, and with the XXXX XXXX XXXX, GA store, who tell me that b/c of the time elapsed, I must dispute the charge with my credit card company, who then will deal with XXXX XXXX Customer Credit department and get me a refund. ( I'm told XXXX XXXX Customer Credit will not deal with me directly ). XX/XX/XXXX : I call Chase to re-dispute the {$1200.00} charge. I speak with a supervisor, who tells me that b/c of the amount of time that has passed, I am unable to dispute the charge. In the process, I am completely abandoned by the bank, and left out of the process and findings of the investigations. Chase, whose lengthy process is the reason for the long time period, now leaves me to hold the bag on a {$1200.00} charge that I didn't make. Attachments : ( XX/XX/XXXX first fridge ; Chase Fraud letter XX/XX/XXXX ; Chase Statement XX/XX/XXXX ; Chase statement XX/XX/XXXX )
Company Response: Closed with explanation

Timely Response

2019-03-31

Las Vegas, NV

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: To whom it may concern, - XX/XX/XXXX an unauthorized amount totaling {$0.00} cents was deposited to my Chase business checking account. - XX/XX/XXXX an unauthorized amount totaling {$2300.00} was withdrawn from my Chase business checking account. - Both incidents where initiated by the website XXXX and the transactions where unauthorized and done without my consent. - XX/XX/XXXX the suspicious withdraw was noticed and I filled a claim with Chase immediately. Claim # XXXX Chase bank acknowledged the fraudulent transactions over several phone conversations but still they refuse to return the money. Since the claim was filled, the money has been returned to my account only to be taken back out by the claims department on 3 different occasions. On the final phone call with chase, I was told by an upper management representative of the claims department that because I did not alert claims about the {$0.00} cents deposited by XXXX on XX/XX/XXXX, it made the withdraw for the amount {$2300.00} justifiable. Please, I have been fighting to get my money back since. The amount {$2300.00} has been returned and taken back from my chase account on 3 different occasions. They refuse to give me written documentation stating the reason for not returning the funds. This is a large amount of money and need help retrieving it. Chase Bank XXXX XXXX XXXX # XXXX Routing : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2019-03-31

Wonder Lake, IL

Problem with a lender or other company charging your account

Checking or savings account: Savings account

Transaction was not authorized
Complaint: My XXXX year old father had a savings account with Chase for years that had a balance of {$41000.00} as of XX/XX/XXXX ( I was a co-applicant on the account ). In mid XX/XX/XXXX, Chase sent him a letter stating that due to a high number of ACH transactions starting XX/XX/XXXX, they had turned the account into a checking account. He asked me to look into it and I identified that ALL of the ACH transactions totaling {$8400.00} were fraud. I immediately called Chase to file the proper paperwork ( i faxed the requested supporting documentation on XX/XX/XXXX ) and the claim was denied without any explanation. I then went into a branch and they refiled the paperwork which I substantiated again on XX/XX/XXXX. To date, {$5500.00} has been paid back, but Chase refuses to pay back the remaining {$2900.00}. We made the first claim XXXX which based on their disclosure on the statement, should cover for anything noted in the XXXX and XXXX statement. They claim that we are outside of the 60 day window, but that doesn't track back to their own disclosures on the statements we have received. Additionally, they claim they can only cover for transactions they can recover for. These were fraudulent transactions that shouldn't have been allowed based on the account type. Finally, they are in violation of both Regulation E and UDAAP due to their not adhering their own statement disclosure not to mention Elder Abuse as they made changes to an elderly man 's account without any notice nor with any attempt to contact him.
Company Response: Closed with explanation

Timely Response

2019-03-31

Berthoud, CO

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a {$200.00} payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!
Company Response: Closed with non-monetary relief

Timely Response

2019-03-31

Berthoud, CO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX}. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a XXXX payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!
Company Response: Closed with non-monetary relief

Timely Response

2019-03-31

NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: funds have been taking from my account from transactions I did not make to the best of my knowledge from XXXX and CHASE banks to XXXX XXXX and when I made these companies aware of these actions they did not respond in a proper manner
Company Response: Closed with explanation

Timely Response

2019-03-31

Berthoud, CO

Closing your account

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

Can't close your account
Complaint: I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX}. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a XXXX payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!
Company Response: Closed with non-monetary relief

Timely Response

2019-03-31

Itasca, IL

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

2019-03-31

San Francisco, CA

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-03-31

Cypress, TX

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-03-31

Albany, CA

Other features, terms, or problems

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

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2019-03-31

Itasca, IL

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

2019-03-31

Tampa, FL

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-03-30

Houston, 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

2019-03-30

Alafaya, FL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-03-30

Orange, MA

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 non-monetary relief

Timely Response

2019-03-30

Broadmoor Vlg, 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 explanation

Timely Response

2019-03-30

Hornell, NY

Problem with customer service

Money transfer, virtual currency, or money service: Check cashing service

Company Response: Closed with explanation

Timely Response

2019-03-30

Covington, GA

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-03-30

Las Vegas, NV

Incorrect information on your report

Checking or savings account: Checking account

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-03-30

Anaheim, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: have a charge on my debit card from Chase Bank i did not make XX/XX/XXXX for XXXX and XXXX, on XX/XX/XXXX received a text about a fraud charge from my bank a failed attempted, talked to them and reported it was not me, at that time I found out they used my card twice the week before, bank replaced the funds and then removed them. talked to the bank on XX/XX/XXXX and they said I have to deal with the vendor which is XXXX and XXXX. Called lowes on XX/XX/XXXX and they said they can not help me. ,
Company Response: Closed with monetary relief

Timely Response

2019-03-30

La Crosse, WI

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I Have A Satisfaction Of Mortgage Dated Back to XXXX They Say Chase is not Chase Loan, On XX/XX/XXXX They Issued a S.O.M. on XXXX Recorded with our Register of Deeds Here in XXXX XXXX On XXXX XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX of XXXX XXXX XXXX . XXXX that the Ref.Id.that chase said it was not there loan That My Loan was paid in Full as of XX/XX/XXXX. I also got a S.O.M. From XXXX. recorded with our Register of Deeds XXXX. This has XXXX. My Acc/ with Chase started on XX/XX/XXXX A S.O.M. It is a Document Generator By a Mortgage Lender It contains that the lender has no longer has any control over owner ship of the property the loan is Paid In Full. Our XXXX. Statutes state That XXXX Statute 706.05 { 10 } and 706.05 { 10 ] { a } This all mess started with the Housing Market crash of 2007 On Oct.6/2007 The Feds Announces that it provide 900 billion Dollars in shot term loans to Banks the Dow cloase below 10,000
Company Response: Closed with explanation

Timely Response

2019-03-30

Nyc, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/19 at XXXX I attempted to withdraw {$1000.00} from a JP Morgan Chase Bank N.A . ( Chase ) ATM. Due to a error of the ATM, no cash was able to be dispensed, however a receipt was produced clearly showing my account had been debited {$1000.00} ( {$1000.00} withdrawal + {$3.00} surcharge ) with a message of " We aren't able to give cash right now. Please call us at XXXX ) ''. After a brief call with Chase, where I asked them to reverse the transaction as their ATM was unable to dispense the requested cash, 3 separate operates told me they were unwilling to help due to the reason I do not have an account with them. When I repeatedly ask them to reverse the transaction they continued to reply that I would have to contract my financial institution to start a claim to get the the transaction reversed. After discussing this situation with my bank they were able to submit said claim but inormed me that it could take up to 10 business days to reverse this transaction. When I asked them if Chase is able to just reverse the transaction, they stated that Chase has the ability to instantly reverse these types of errors, however they force other Banks to do it instead.
Company Response: Closed with explanation

Timely Response

2019-03-30

Garden City P, NY

Struggling to pay mortgage

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

Company Response: Closed with explanation

Timely Response