JPMORGAN CHASE CO.

2019-08-26

Clermont, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-26

Ridley Park, 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
Company Response: Closed with explanation

Timely Response

2019-08-26

Converse, TX

Improper use of your report

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

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

Timely Response

2019-08-26

Chicago, IL

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: I purchased something with my for {$340.00} from XXXX XXXX XXXX with credit card AARP Chase ending in XXXX and never received the merchandise. I filed a dispute and was told by the merchant they if issue a refund only if I removed the dispute. I removed the dispute and the merchant now will not issue a refund. I have tried to reopen the dispute with Chase Bank and they are stalling. I have sent them all the documentation between me and the merchant showing the merchant promised a refund and asking me to cancel the dispute which I did.
Company Response: Closed with explanation

Timely Response

2019-08-26

Bellmore, NY

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-08-26

Indianapolis, IN

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-08-26

Huntingtn Bch, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-08-26

Cary, NC

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

2019-08-26

Pasadena, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: This complaint is in regards to my recent complaint of XX/XX/2019. Since that case was closed, I must report a new one. At that time, the outcome was that Chase bank gave me a temporary reversal of the {$120.00}. I had a big feeling they gave me a temporary reversal only to address my complaint to the CFPB. And my feelings were correct. Now it seems that Chase is acting just as crooked as the thieves who initially used my debit card fraudulently. Today, I checked my account and saw Chase took back the {$120.00}. I'm not sure what games they're playing but I will not let this go. I will NOT let the criminals that used my card fraudulently NOR Chase that is obviously on their side get away with this! I will go public with this in Consumer Finance. This is completely unjust! The only resolution I will accept is the {$120.00} returned to my account permanently, not temporarily. Permanently. Original complaint of XX/XX/XXXX : On the eve of XX/XX/2019, I received a text message ( attached ) from my bank, Chase, alerting me of fraud suspicion of {$200.00}. I was walking my dog so I didn't have my purse with me at the time ( which I failed to say to the bank initially ). I checked my account through my cell phone and noticed the following charges through my debit card ending in XXXX : XXXX {$120.00} XXXX*XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX by online or phone XXXX*XXXX XXXX {$.00} Realizing those charges were not made by me, I called my bank right away and let them know they send me a fraud alert and that I did not make those transactions. The claims representative on the phone mentioned that we were being recorded and asked me a few questions including if the card ending in XXXX was mine, if those specific charges were mine and if I still had the card. I sincerely thought that the card was still in my purse at home. I called the bank while I was still out because I needed the bank to cancel my card immediately before they made more purchases. I was naturally upset at the time. So the bank cancelled the card and issued me a new one, which I'd later receive in the mail. They said they would reverse the charges temporarily pending an investigation, which they did. When I got home I checked my wallet and saw my card was actually gone. I thought back to when I last used it, which was at XXXXXXXX XXXX XXXX earlier and figured I had left it there. I didn't call the bank again because I had already called them to cancel the card and they had reversed the charges. I also realized after further research that the XXXX charge was indeed made with my debit card. I never use my debit card at XXXX. I use my XXXX XXXX XXXX for the discounts plus 5 % off my bill every time, hence an incentive for never using my debit card ending in XXXX at XXXX. On the morning of XX/XX/2019, I checked my account and noticed that the {$150.00} charge for that XXXX XXXX app was back. I called the bank ( they stated were were being recorded ) and they said that charge just posted to the acct because it had been still " pending '' and it posted on XX/XX/XXXX. I asked why did it go through if I had previously called to report fraud and they cancelled my card. I said it didn't make sense they would allow the charge to stick if it was still pending and it was fraudulent. They didn't really answer the question and just worked on reversing the charge again, which they did a couple days later. They also asked at that time if by chance I still had the physical card and I told them I actually didn't, even though I thought I had Initially. I corrected myself at that time and reported I DID NOT HAVE THE CARD INITIALLY WHEN THE CHARGES WERE MADE on XXXX. They said they made the notation ( not to mention we were being recorded! ). On XX/XX/2019, while checking my account online ( which I have been monitoring regularly ), I noticed a " XXXX Reverted '' charge for {$120.00}, recognizing right away it was that original fraudulent XXXX charge that was done with my stolen debit card on XX/XX/XXXX. Again I called the bank right away and the claims representative told me the investigation concluded that since the physical debit card was used and the chip was read, and because of the fact that I had responded when I originally reported the card that I still had the card, it was declared not being fraud because I had used it myself. This was based on notes and recording from the original report. I told the claims rep that this was corrected less than 2 days later when I called back to report a discrepancy. I was told at that time that I was being recorded and what I said was being noted, yet that was not taken into consideration in the investigation?? The claims rep began arguing with me basically reiterating his notes over and over. I asked to speak to a manager and he refused. He said the investigation was still open and he would note all I was stating in the system but that the reverted charge would remain for now. And to feel free to call for an update in a few days. The following day I called for an update and another claims rep told me the exact same thing the previous rep said about the investigation results. I told him I already new that and I asked him for an update since then from the previous rep notes and he said there weren't any other notes and that he could only speak for himself. At this point I'm definitely getting the run around and feel like I'm getting swindled by my own bank. I asked him if that meant that since this charge was sticking, that the other fraudulent charges would be reverted as well and he said it was a big possibility and that he couldn't do anything about it. But that the investigation was still open. I told him all they had to do was ask XXXX for surveillance footage of the transaction time and they'd have the true culprit for all the charges. Because all the charges were made during the same timeline of approx 2 hours. And only the XXXX charge was reverted? That made no sense since it was the same case! I asked the rep I'd like to speak to a manager and he didn't pass me through simply stating there wasn't anything anyone could do since the investigation was done by a separate investigation unit. How bogus does that sound?! At this point I feel extremely defeated and let down by my own bank. An institution that should be on my side as their customer and instead is on the side of the criminal letting them get away with their crime, having all the clear evidence they need. This is why I am making this report in hope 's of bringing some justice to the inept Chase fraud investigations. I would like my {$120.00} returned to my checking account, as well as the {$150.00} and {$.00} amounts staying in my account and case being closed.
Company Response: Closed with monetary relief

Timely Response

2019-08-26

Houston, TX

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-08-26

Managing, opening, or closing your mobile wallet account

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

Complaint: Back in XXXX Chase bank dissolved an IRA account that I had with them and sent the balance to God knows where. They made me travel to USA from XXXX to rectify the problem. At the time my daughter was small and we had family support for me to travel. Now comes XXXX about XX/XX/XXXX. Somebody at Chase bank got the notion that my account is being hacked. They requested from me my old addresses which I unfortunately under pressure and personal XXXX XXXX XXXX started at the oldest trying to get to the newest. they didn't like the minor information I gave them and requested 100 % address. I didn't do good. I fumbled. They requested my debit card which I left in XXXX. Once I got to XXXX from my vacation I called them back but they still wouldn't give me access. To top it off my debit card was blocked and I cant use it in XXXX. They asked me to leave my daughter unable to get out of bed and into her XXXX and my wife who doesn't speak English in XXXX and travel to USA for an x amount of days to prove who I am. To spend at least XXXX dollars which they wont pay for. Nor will they pay for my mobile phone calls I made from XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-26

Bakersfield, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-08-26

Camarillo, CA

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response

2019-08-26

Butler, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-08-26

Ocean City, MD

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: Hello - I applied for a credit account with Amazon and was denied credit. I subscribe to XXXX credit reporting services,, so I was notified immediately that a hard inquiry had taken place by " Chase Card '' and that the company had pulled my credit report. Okay, so I understand that. This was on Friday, XX/XX/2019. I did not apply for credit following that. Imagine my surprise when I got another alert on Saturday afternoon, XX/XX/2019. The alert said that " JPMCB Card Services '' had pulled my credit report ( another hard inquiry ). I immediately looked up JPMCB and it said it was a Chase company. I looked up customer service so I could find out what was going on and was told that no one is available in credit reporting on the weekends - only Monday- Friday. I was understandably upset as I had not applied anywhere on Saturday. What if someone was attempting to obtain credit under my name, I asked? I was told that they still couldn't help me since it was the weekend. What kind of company in this day and age of security breaches does not have someone available on the weekends? If credit is able to be pulled on the weekends, someone should be available on the weekends to assist should there be an issue. I still have no resolution nor any indication of why my credit would be pulled when I did not ask for it to be, particularly when it was an additional hard inquiry and I do not have an account with Chase.
Company Response: Closed with explanation

Timely Response

2019-08-26

Guadalupe, AZ

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-08-26

Brooksville, FL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-08-26

Hilliard, OH

Incorrect information on your report

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-08-26

Charlotte, NC

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

2019-08-26

Arco, 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
Complaint: In XX/XX/2019 I contacted Chase Bank, to speak about a settlement. I spoke with an associate and supervisor about paying a set amount for the removal of this account. Due to me being hospitalized, resulting in a XXXX XXXX XXXX. I am now XXXX and can not work, so this was crucial to the decision to pay said amount. Fast forward to XX/XX/XXXX and to my surprise its still showing. I called Chase yet again to only be met with their representatives accusing me of lying and continuous blatant disrespect. As soon as they find out Im XXXX ; Im treated as though I have little to no comprehension. Supervisor XXXX # XXXX was not only intent on not helping me, but shes sorry Im too sensitive and cant understand her.
Company Response: Closed with explanation

Timely Response

2019-08-26

Arco, 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
Complaint: In XXXX of 2019 I contacted Chase Bank, to speak about a settlement. I spoke with an associate and supervisor about paying a set amount for the removal of this account. Due to me being hospitalized, resulting in a XXXX XXXX XXXX. I am now disabled and can not work, so this was crucial to the decision to pay said amount. Fast forward to XX/XX/XXXX and to my surprise its still showing. I called Chase yet again to only be met with their representatives accusing me of lying and continuous blatant disrespect. As soon as they find out Im XXXX ; Im treated as though I have little to no comprehension. XXXX XXXX # XXXX was not only intent on not helping me, but shes sorry Im too sensitive and cant understand her.
Company Response: Closed with explanation

Timely Response

2019-08-26

Lithonia, GA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: JP Morgan Chase is purposely not responding to my complaints submitted to CFPB. Each complaint is being responded to by them as being duplicate complaint for year 2018. I am not discussing previous issues. I am discussing present issues. Now, I have a new issue to report. Another party is persuing legal remedies for not being served with a notice from JP Morgan Chase and from the foreclosing attorney. There is nothing that I can do about this. But I know that the other party has not been served.
Company Response: Closed with explanation

Timely Response

2019-08-26

New Port Richey, FL

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

2019-08-26

Brooksville, FL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-08-26

Burlingame, 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: Chase customer service refuse to help when XXXX XXXX XXXX charged my credit twice for same future service which is in XXXX when I disputed the charge they're saying you can't get refund from the service, because it's already paid, but they are charging me twice for same thing. And Chase customer service refuse to acknowledge the fact I'm being charged for twice and can't dispute.
Company Response: Closed with explanation

Timely Response