Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello CFPB, Kindly please help on the following issue and illegal negative credit reporting practiced by CHASE Bank. 

For Reference : Following CHASE CASE NUMBERS THAT ARE OPEN as of today. 

XXXX - Credit Card Late Fees - Asking to Remove. 
XXXX - Fraud on Checking Accounts. Bank Error made in processing Fraud Claim. 

CHASE AGENT handing the case as of XX/XX/2020, Name : XXXX  Phone : XXXX XXXX XXXX XXXX XXXX I also Talked to Agent XXXX : Phone : XXXX XXXX XXXX XXXX XXXX XXXX ( Won't be able to reach just for Reference ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Also, CHASE CREDIT CARD Team CHASE FAX NUMBER : Fax : XXXX XXXX XXXX XXXX Case Number : XXXX Dates of Closures : XXXX ( XX/XX/2020 ) - {$500.00} XXXX ( XX/XX/2020 ) - {$5300.00} XXXX NAME : XXXX XXXX Account Supervisor Mailing Address : XXXX. XXXX XXXX XXXX DE XXXX Email : Not willing to give. 

This was a Bank Error from CHASE Savings or Checking Account. 
This was an error on their part. 
They ( CHASE Cerdit Card Dept ) need documentation that there was Fraud on Savings Account. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2020 To, CHASE Executive Office 3XXXX XXXX XXXX, XXXX, OH XXXX SUBJECT : Case Number : XXXX - Request to CHASE to communicate to Credit Agencies and Undo the Damage which CHASE inflicted on identify theft victim ( myself ). In spite of full knowledge and documentation and proof that transactions were unauthorized, CHASE reported Negative remarks to Credit Agencies resulting in credit score of the victim to reduce by XXXX points on average. ( XXXX score to around XXXX score ) .This reduction of Credit Score has affected my life and well-being drastically during Pandemic. 


Hello CHASE, This request is to remove the Late Fees Charged by JP Morgan Chase Credit Card Dept. During the entire process of Identity Theft issues, which now has been resolved in my favor, CHASE credit cards which were automatically being paid by the Compromised CHASE savings account has been not considerate of my request as a victim. Kindly be considerate of customer who is a identify theft victim and still has paid your credit cards ( the purchase amount ), in good faith when CHASE was not doing well as a company during pandemic. Kindly please remove the negative remarks and all late fee and interest charge balance on CHASE Credit Cards of identity theft victim ( myself ). 

As you already know, that the unauthorized transactions ( all 33 reported ), has been refunded back to CHASE by XXXX and eventually to me. Please find the proof ( statement details attached ) that the refund took place and this issue has been resolved in my favor ( in victims favor ). 

In good faith, I have paid all the Purchase transactions to CHASE credit Cards. Even before the fact that any amount of unauthorized transactions were refunded to me. 

I Sincerely, do not believe that I ( the victim ) should be liable for payment of late fees and transaction bounce fees of CHASE Credit Cards, which were paid by compromised savings account. If this was the case, CHASE should have notified me about this in writing that we hold identify theft victims liable to immediately pay CHASE, even if there is no balance in account. My savings account had been wiped out completely leaving me and my family in a desperate and dire situation during the Pandemic. 

Because this account was closed by CHASE, hence the payment did not go through and CHASE Credit Cards, in spite of knowledge of the theft, kept charging late payment and interest. In multiple calls and emails, I have requested CHASE Credit Card to Freeze the Cards and they havent done so. 

Instead, CHASE has reported late payment to Credit Agencies, resulting in my Credit to be reduced for over XXXX points ( XXXX to XXXX ) during the months of XXXX to XXXX. CHASE Credit cards should not have done such negative reporting to someone who has been a victim of identify theft. Especially, after the Case has been resolved in Victims favor. Also, during the months of pandemic, I believe as per law, a company should not report bad information ( late payment ) for anyone, especially not the customer who has been victim of identity theft. 


In spite of the knowledge and CHASE credit card charged late fees, transaction bounce back fees and interest as a result of identity theft ( compromised CHASE account ) which was closed by CHASE and the account was paying CHASE credit cards. 

As you may already know, I had given CHASE the police report as well as detailed information of all the 33 transactions which were not authorized by me. In total, all of the Fraudulent charges not authorized by me totaling in amount of {$16000.00} and CHASE Fees + Fines were {$160.00}. 

Please refer to following Case numbers for Identify theft issue Ref : Case # XXXX - Chase Claim number XXXX XXXX Case ID : XXXX - Notice # 2 to CHASE. 


I had given CHASE the police report as well as detailed information of all the XXXX transactions which were not authorized by me. In total, all of the Fraudulent charges not authorized by me totaling in amount of {$16000.00} and CHASE Fees + Fines were {$160.00}. Additionally, I have also filled & signed the form sent by CHASE on and sent it via Fax and letter on XX/XX/2020. 

As per advice by Mr. XXXX XXXX ( Asst. VP ) of CHASE Bank Branch in XXXX TX, and as per Bank manager of XXXX TX, Mr. XXXX XXXX input during my in-person visit on XX/XX/2020 and earlier, I was told that as a victim of identify theft, ( when it is proven that transactions were unauthorized ), CHASE shall do their very best and ensure that my credit is not affected and shall help the Victim. 

However, to my disappointment CHASE has done the exact opposite. CHASE has been attempting to victimize the victim even more by punishing the victim via reporting negative credit to the major credit agencies. Credit agencies has confirmed that negative remarks on my credit is due to CHASE and also official dispute has been raised for this on my behalf. 

As per confirmation from CHASE Claims Depts as well as all CHASE Branch, and phone conversation with XXXX, it has been confirmed that XXXX was used to commit fraud in case of all the 33 transactions which were not authorized by me. XXXX was used tool to commit fraud and place transactions in my account which were not authorized by me. 


CHASE finally refunded all the unauthorized transactions amount which XXXX had reversed. Earlier CHASE had only reversed transactions in amount of {$7400.00} and given me temporary credit. Finally CHASE refunded me the remaining amount of {$9000.00}. The final confirmed refund of unauthorized transactions totaling {$16000.00} and CHASE Fees {$160.00}. 


Attached : Statement describing transaction reversal of the latest unauthorized transactions. 
Note : Remaining of all of 33 transactions have been proven to be unauthorized and case has been in favor of victim ( myself ). 

Following are the names of Agents that I had conversation at CHASE Credit Card Dept. 

AGENT NAME : XXXX XXXX Account Supervisor Mailing Address : XXXX. XXXX XXXX XXXX DE XXXX Email : Agent was not willing to give. 

Case Number : XXXX Dates of Credit Card Closures : XXXX ( XX/XX/2020 ) - {$500.00} ish XXXX ( XX/XX/2020 ) - {$300.00} ish Agent mentioned over recorded line to prove that this was either a Bank Error ( or unauthorized transactions ) from CHASE Savings or Checking Account. Agent mentioned to remind the CHASE executive office that they should communicate to CHASE credit card that this was an error on their part ( and transactions were unauthorized. Also agent said that they need documentation that there was Fraud on Savings Account. 

Kindly please send the documentation attached in this email to CHASE Credit Card services at the address mentioned above, or otherwise deemed suitable to you. 

CHASE Credit Card constantly demanded payment from Identity theft victim ( Myself ) and Reported Negative remarks to Credit Agencies resulting in credit score of the victim to reduce by XXXX points on average. ( XXXX score to around XXXX score ). 

Finally, as I have paid all of my Purchase amount of credit cards ( inspite of being a victim ), I request CHASE to remove the late fees and be considerate of situation of a identity theft and Fraud victim ( myself ) during the Pandemic time. CHASE should Undo the damage they caused to me by reporting negative remarks to the Credit Agencies. This reduction of Credit Score has affected my life and well-being drastically during Pandemic. Kindly be considerate of customer who is a identify theft victim and still has paid your credit cards ( the purchase amount ), in good faith when CHASE was not doing well as a company during pandemic. 

Kindly please remove the negative remarks and all late fee and interest charge balance on CHASE Credit Cards of identify theft victim ( myself ). 

I request CHASE to kindly initiate the process with Credit Reporting Agencies and CHASE credit cards for removing any negative remarks on my Credit History, as soon as possible. 


Thank you, XXXX XXXX Ph : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX TX

Company response to consumer: Closed with monetary relief