JPMORGAN CHASE CO.

2019-08-14

Spring Hill, FL

Closing on a mortgage

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

Company Response: Closed with explanation

Timely Response

2019-08-14

Lowell, AR

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: ON XX/XX/2019 I PURCHASED A XXXX XXXX FROM XXXX DEALERSHIP AND WAS FINANCED BY CHASE, THE DEALERSHIP FAILED TO PAY SALES TAX AND ADDED A GAP AND SERVICE COTRACT ON TOP OF THAT. CHASE LOAN NO.XXXX. SEE AD FROM THEM WE PAY SALES TAXES
Company Response: Closed with non-monetary relief

Timely Response

2019-08-14

Hamburg, MN

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-08-14

Franklin, TN

Closing your account

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

Company closed your account
Company Response: Closed with non-monetary relief

Timely Response

2019-08-13

Rochester, OH

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: A transfer of funds was initiated from our joint savings account of {$1000.00} to our joint checking account. The {$1000.00} was then sent to an individual that we have no knowledge of through XXXX payment. XXXX has not been used previously on this account. The transaction was caught immediately and Chase was notified. The transactions were reversed and money was placed back into the appropriate accounts. Accounts were then frozen. The following day, the same transactions were processed and sent through a " frozen '' account. A claim was filed with Chase for fraud and an investigation was put into place. Chase refuses to refund the claim of {$1000.00} and accused my husband of processing this XXXX payment because of a common IP address. Their logic does not make sense and they refuse to provide proper documentation to support the claim denial. We have spent hours and days on the phone with Chase customer service and meetings with local branches in the attempt to find resolution. The local Chase branch directed us to file a police report and re-open the claim. We filed a police report and then Chase denied the request to re-open the claim. Chase still refuses to provide documentation to prove how the claim was denied, will not process a refund due to fraud and will not deactivate XXXX to minimize risk of this situation in the future. This was obviously a hacker and fraud but Chase will not stand behind fraud protection and has provided the worst possible customer service through this experience.
Company Response: Closed with monetary relief

Timely Response

2019-08-13

Astoria, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with monetary relief

Timely Response

2019-08-13

Brooklyn, NY

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-08-13

Broderick, CA

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2019-08-13

OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: Someone Used my account and deposited checks in my account. I tried to contact Chase multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. Chase have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is XXXX
Company Response: Closed with explanation

Timely Response

2019-08-13

Richmond, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-13

Berkeley, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Company Response: Closed with explanation

Timely Response

2019-08-13

Grosse Ile, MI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-08-13

Adelanto, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-08-13

Brooklyn, NY

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-08-13

Fort Myers, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2019-08-13

Chicago, IL

Fraud or scam

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

Complaint: Through my chase moblie app, Someone who I do not know requested money from me. I accidentally hit accept. I called my bank to file a claim and told them it was fraud/scam. They told me that there wasn't much that they could do. I tried contacting the person who I sent it to and no response.
Company Response: Closed with explanation

Timely Response

2019-08-13

Las Vegas, NV

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/XXXX or XX/XX/2019, I called XXXX XXXX Court House in XXXX XXXX California to request a fee amount for my filing. I called the Clerks office. I spoke with a lady that told me the only fee I would be paying was a fax fee of XXXX cents per page. The amount came out to {$6.00}. I did not include the correct expiration date on my form so the card was not charged and the form along with the breakdown of the fees of {$6.00} was mailed back to me asking me to include the expiration date. I received this letter XX/XX/2019. That same day or maybe the following day I sent the same exact forms, only this time I included the correct visa card expiration date. about an hour or 2 later I check my account to make sure theXXXX went through this time. I had a transaction from XXXX XXXX court but it was not for the amount I was given that was the amount that was also mailed to me in a break down. Instead of being charged the {$6.00}, I was charged a whopping {$430.00}. I called the clerks office and was told I had to pay a " first time filing or response fee ''. I explained to the clerk that this was not my first time filing anything. My case is probably over 10 years old, I have been filing responses for several years. I was told this was a new fee that they started charging and in the clerks own words, " I don't know why they don't warn or tell people about this fee before they charge it. '' I live in Nevada, this court is in California. I tried to argue with them telling them that I never authorized this fee, I was given an amount both verbally and on paper and was charged a lot more. Since the court would not cooperate, I filed a complaint with my bank, CHASE. I opened a claim with them, they refunded my fee and did their investigation. My claim was denied. After calling CHASE to ask why my claim was denied, I was mailed the papers that the court provided the bank with to " prove '' that the transaction was correct. What they sent to me was a receipt or transaction slip ( that I never got and did not have my signature on it ) along with the exact form I sent them with my card number and expiration date AND their own breakdown of the fees ( I never received this breakdown from the court and I was never told I owed or had to pay this fee before being charged the {$430.00} ). I also received a letter that clearly states I was charged this fee without being notified. the letter states as followes " In addition because you never filed a Response or paid 1st Response fee, your card was charged for the Response fee and the fax filing fee. '' this is clearly stating that I was charged without FIRST being notified that I had to pay this fee. I called chase again and was asked to send in what I have that proves the transaction was incorrect along with a letter explaining why I feel this transaction is an error. I did so, and about a week maybe 2 weeks later on XX/XX/2019 I received another letter from CHASE letting me know once again that my claim was denied. I feel that the bank is violating the FDCPA rules. I did not authorize this transaction, the bank has proof that I did not authorize the transaction and still denied my claim. Once again, I given the fee of {$6.00} both verbally and in writing. The {$430.00} that was charges was never once mentioned until after it was charged. this is in violation of the FDCPA.
Company Response: Closed with monetary relief

Timely Response

2019-08-13

Kingstree, SC

Fraud or scam

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

Complaint: Dear CFPB, On XX/XX/XXXX, I was scheduled to close with XXXX XXXX XXXX XXXX on my home refinance with XXXX. On XX/XX/XXXX, someone who claimed to be named XXXX ( there is a XXXX at XXXX XXXX XXXX XXXX, so I didn't think anything was wrong ) called me from XXXX to tell me that XXXX XXXX, a paralegal at XXXX XXXX XXXX XXXX at that time, had emailed the wire transfer instructions to me. That evening, I did a money transfer ( not a wire transfer ) of {$41000.00} from my XXXX XXXX XXXX savings account to the Chase Bank account in XXXX, Utah that was in the wire instructions that I received : bank : Chase Bank, XXXX XXXX XXXX XXXX, XXXX, Utah recipient name : XXXX XXXX XXXX XXXX routing number : XXXX account number : XXXX At XXXX XXXX. on XX/XX/XXXX, XXXX XXXX XXXX XXXX told me on the phone that I had been defrauded. I called XXXX XXXX XXXX Customer Service right after that phone call, and they initiated a money transfer recall with Chase Bank on my behalf with scam as the reason. I then saw that the email with wire instructions in my inbox looked exactly like it had come from XXXX XXXX at XXXX XXXX XXXX XXXX but that the actual email address was not hers, meaning the bad guy spoofed her email address and sent me an email that looked exactly like it had come from XXXX. The sender 's name was XXXX XXXX, and her correct complete signature in the email body was used, but the email address was XXXX, but XXXX 's actual email address was XXXX, which was in the fake email body 's signature. Also, Attorney XXXX XXXX at XXXX XXXX XXXX XXXX and XXXX XXXX at XXXX told me that they received spoofed emails that appeared to be me ( actually from the bad guy ) saying that I was on track for my refinance closing but might need more time to transfer the money. XXXX XXXX in XXXX XXXX did a conference call with XXXX XXXX, and they closed the fake email account that the bad guy created in my name. I filed a report on the FBI 's IC3 website, I filed a report with the FTC, and I filed a report with a local police officer ( XXXX XXXX XXXX of XXXX County, South Carolina Police Department, police report number XXXX ). I also called Chase Bank Customer Service, but they wouldn't talk to me because I don't own the Chase Bank recipient 's account. For the past month, XXXX XXXX in XXXX Fraud has been unable to get any information from Chase Bank about their investigation or timeline, and she believes that the bad guy hacked into the server of XXXX XXXX XXXX XXXX or the title company in order to spoof XXXX XXXX 's email address in order to email me the scam money transfer information and to get my phone number to call me. XXXX XXXX XXXX just sent me a letter stating that I have to deal with Chase Bank from now on. I called Chase Bank again today and was told specifically that they would only speak to a manager at XXXX XXXX XXXX, not me. I called XXXX XXXX XXXX Customer Service twice today and finally was escalated to XXXX XXXX, a front office manager above the Fraud Department, and he said not only that XXXX XXXX XXXX would file another reconsideration with Chase Bank but also that he would have a XXXX XXXX XXXX back office manager contact Chase Bank for information about the investigation and timeline because Chase Bank had specifically told me to get a XXXX XXXX XXXX manager to do that. XXXX XXXX gave me a direct number to call XXXX XXXX XXXX back in a week to find out what their new actions have uncovered. I am now trying to deal with my local police department again to see if they will communicate directly with the XXXX, Utah Police Department so they can investigate and work on returning my money, probably via subpoenas of the person who owns the account and of XXXX XXXX XXXX and Chase Bank records, along with the fraudulent emails that I received. I don't know if the Chase Bank account is actually owned by XXXX XXXX or was fraudulently created in his name. I learned today that Chase Bank told XXXX XXXX XXXX in late XX/XX/XXXXthat the person who owns the account declined the request to return my money to me, but no one at Chase Bank or XXXX XXXX XXXX had told me that before or had asked me to supply the emails showing that the fake email from XXXX XXXX with the money transfer information was fraudulent. It is extremely frustrating and nerve-wracking that I keep hitting a wall in trying to find out what is going on in Chase Bank 's investigation. I understand that Chase Bank can not discuss that person 's account with me, but as the victim who initiated the money transfer within hours after the money was sent, I should be able to find out what's going on with my money, the investigation, and the timeline. I don't even know when or how much of my money I'll get back. I called the Federal Reserve Board, and they referred me to CFPB. Can someone at CFPB please help me? The {$41000.00} is all of my life savings. I have had to take medication over the past month to keep myself from having a breakdown over the loss of my life savings. There must be some way for money scam victims to get information about the investigation and a timeline for the money being returned. I have proof of the scam, plus my reports to the local police and the FBI. Please feel free to call me. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-08-13

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: This is related to the transactions charged to my account via debit card charges on XX/XX/2019. I had made a few debit card purchases in XXXX using my Chase debit card. On receiving my statement, I see multiple of these transactions and all of these transactions are showing this to be an ATM withdrawal from an ATM address in XXXX with the withdrawal being in XXXX currency ( Rupiah ). I have never visited XXXX so I could not have withdrawn amount in XXXX currency. Moreover, I have enough evidence to show that I was in XXXX on and around XX/XX/2019. This seems to be a incorrect or fraudulent transaction caused by Chase Bank or their associate bank operating in XXXX. I am not able to take this up with Chase Bank as they claim that their investigation with the ATM provider shows this to be a valid charge though I have evidence to show that I was in possession of my debit card and present in XXXX at that time. Further to this, the account has been forcibly closed without my consent with the reason provided as too many transaction where I have clearly mentioned that these transactions are unauthorized.
Company Response: Closed with monetary relief

Timely Response

2019-08-13

Locust, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-13

Phoenix, AZ

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2019-08-13

Van Nuys, 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: XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX individuals coerced me into opening Chase Bank card on my behalf in the amount of {$22000.00} that went to their account. They promised that if I worked for them that they would pay me enough to pay it off in 15 months and I could participate in their self-improvement program. This they put in writing. Very soon it was obvious they were not able to pay me as promised and I was not eligible for the self improvement program. I reported this and they said they would return the money. I have text messages and written reports from them on this and subsequently filed a claim per their request. This has been going on now for a year. They locked me out of my office and turned off my computer in retaliation for asking for the return of the money. I no longer work for them. Chase said they could not help. I am XXXX years of age and am on Social Security. I am dissatisfied with the goods and services promised.
Company Response: Closed with explanation

Timely Response

2019-08-13

Brighton, CO

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with explanation

Timely Response

2019-08-13

Jacksonville, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2019-08-13

North Hollywood, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response