Consumer complaint received 2023-02-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about? 

PRODUCT OR SERVICE Credit card or prepaid card TYPE General-purpose credit card or charge card Inactive modal Step 2 What type of problem are you having? 

ISSUE Getting a credit card HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Card opened as result of identity theft or fraud Step 3 What happened? 

STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that " she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. ATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played stupid What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint. Card ending in XXXX My name is XXXX XXXX, I had a chase freedom card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX card ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only insulting, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its disgusting to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXXXXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. XXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play stupid and lie to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal What would be a fair resolution to this issue? 

The money returned as XXXX from fraud recovery promised on XX/XX/XXXX from my XXXX checking account to a fraud credit card account ending XXXX. 
10 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. 
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COMPANY INFORMATION CHASE CREDIT CARD CARD NUMBER XXXX Step 5 What people are involved? 


YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX YOUR DEMOGRAPHIC INFORMATION Age XXXX Household size including total number of adults and children XXXX About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 

Learn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? 

( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX XXXX, XXXX - XXXX ( except federal holidays ). 

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Privacy Act Statement OMB # XXXX Note on user experience Have a question? Preguntas? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX. XXXX, XXXX through XXXX ( except federal holidays ). 
More than 180 languages available.

Company response to consumer: Closed with explanation