JPMorgan Chase Bank, National Association Corporate

Complaint ID: 8010213

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Struggling to pay your bill

Subissue: Credit card company won't work with you while you're going through financial hardship

Company: JPMORGAN CHASE & CO.

Complaint: I'm going through a finanical hardship and they keep calling my house number when i told them they needed to call the debt people and i had given them the phone number to the people to call.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---

Complaint ID: 8010092

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Getting a credit card

Subissue: Application denied

Company: JPMORGAN CHASE & CO.

Complaint: I applied for a card that was sent to me 5 times within 3 weeks through mail from Chase. Regardless whatever they believe the reasoning for my denial, I have the right to credit and withholding access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I want them to reconsider their fraudulent decision made on my account. Reference number XXXX. I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. XXXX XXXX : Reference number XXXX : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. Reconsider this account immediately unless they want to be held liable {$10000.00} FOR violation of each of my rights to credit and more.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---

Complaint ID: 8010081

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Company: JPMORGAN CHASE & CO.

Complaint: On XX/XX/, a credit charge in the amount of {$1700.00} was placed on my Chase card ending in XXXX by XXXX XXXX XXXX. I have never been on board this cruise and did not authorize this charge. Furthermore, I did not authorize anyone else to use my card. Following failed attempts to resolve the issue directly with XXXX, I contacted Chase Card Services on XX/XX/, and initiated a dispute of the transaction. As of XX/XX/, this matter remains unresolved. I do not believe that Chase Fraud Department has conducted a thorough investigation of this matter i.e. on XX/XX/, I received a telephone call from a member of Chase Fraud department who advised me to submit a written statement regarding the disputed transaction for review, however instead of awaiting receipt of the requested document at the end of the telephone call the representative informed me that she was closing the dispute. She further stated that once I obtain the requested information that I should contact the Fraud Department to have the disputed claim re-opened. Closing a claim or case on the date of requesting additional information is nonsensical. Considering this action, it appears that Chase Fraud department prioritize closing disputes instead of actually investigating and resolving them. On Saturday XX/XX/, I was at a theme park with my family and friends, and prior to getting on one of the parks ride, I gave my belongings to someone to hold. It was not until the next day that I realized that I did not have my credit card and I contacted the person whom was in possession of it at the theme park the previous day. The person informed me of their location for me to retrieve my card. Despite my attempt, I was not able to get to the person before they boarded the XXXX XXXX. I submitted a copy of text message exchanges between that person and myself to Chase wherein I informed the person that I was en route to retrieve my card but stuck in traffic. Ultimately and unfortunately, I did not make it to the cruise port prior to the departure of the cruise ship and thus unable to retrieve my card. Meanwhile on the cruise, my cards along with other important documents were placed inside of the safe of the assigned cabin, this was followed by a room change. Several hours after the room change, a member of the cruise staff brought the items that were left behind in the safe of the originally assigned room including my card to the new room. All of the credit and retail credit cards in the possession of the person whom had my card were later found to have been compromised. Large sums of money were charged onboard the XXXX XXXX. XXXX informed me that they have a policy that includes 100 % identification check with credit card use. I question this policy considering that I was not onboard the cruise. Chase received proof that a room change occurred and signed sworn statements from myself and the person in possession of my card that the transactions were unauthorized and therefore fraudulent. In spite of this as well as Chase banks XXXX liability fraud protection guaranteeing 100 % reimbursement on any unauthorized transactions, Chase has found me liable for the charges made on the XXXX XXXX XXXX and I can not determine how they arrived at that conclusion, when I requested this information, they sent me a copy of the bill that XXXX XXXX provided them. The bill does not have my name or signature on it. The bill proves nothing, which is seemingly enough evidence for chase to find that liability rest with me. Prior to the application of the {$1700.00} charges from XXXX XXXX my Chase account had a XXXX balance. Without notifying me, Chase has added late fees and interest rate bringing the balance to {$1800.00} in addition to reporting my account as delinquent. They led me to believe that the charges were suspended while under investigation. I am now forced to repay unauthorized fraudulent charges. I last spoke with Chase Bank regarding this matter on XXXX XXXX XXXX wherein they promised to contact me within 2-3 business days. As of XX/XX/2023 they have not contacted me.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---