JPMorgan Chase Bank, National Association Corporate

Complaint ID: 7116709

Product: Money transfer, virtual currency, or money service

Sub-Product: Mobile or digital wallet

Issue: Fraud or scam

Subissue:

Company: JPMORGAN CHASE & CO.

Complaint: On XX/XX/XXXX of 2023 I underwent XXXX. The following day on XX/XX/XXXX to, I had a police officer, call me from the XXXX Police Department number. Claiming that I had missed a trial date in which I was supposed to be an expert witness for. The trial had to be postponed due to this, resulting in a to, I had a police officer, call me from the XXXX Oregon Police Department phone number. Claiming that I had missed a trial date in which I was supposed to be a expert witness for. The trial had to be postponed due to this, resulting in a judge filing a failure to appear charge. I work in the XXXX XXXX as a XXXX so it wouldnt be unusual for me to be a expert witness. Recently, I had submitted reports to DHS about several of my patients parents. I thought this court case most likely had to do with these reports. I was instructed that I would have warrants out for my arrest if I did not pay the fee of this charge. I was on strong painkillers, and was exhausted from XXXX the night before. I was under the influence of pain pills, as well as coming off XXXX and ended up paying this police officer {$2000.00} with XXXX, as well as {$500.00} on XXXX. Me and my mother also contacted XXXX immediately. And I was informed that I would need to contact my bank for a refund. Me and my mother contacted my bank immediately after I made this transaction. We were informed by my bank that they would refund the {$2000.00} from XXXX but were unsure if the XXXX charge of {$500.00} would be eligible for a refund. They also replaced my credit card and debit card and shut down my bank account activity. The police was also contacted, and a police report was made with a case number of XXXX XXXX. After I regain access to my bank account and was feeling much better I notice that the {$2000.00} charge from XXXX was still on my account. I contacted my bank and they stated that since I manually paid this person this charger is not considered fraud, and therefore is not covered by my bank. They informed me to contact this website for next steps to get my money refunded. I feel that this should be considered a fraudulent charge since I was under the influence, and was not a sound mind to understand that this was a scam.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---

Complaint ID: 7116495

Product: Credit card or prepaid card

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

Issue: Incorrect information on your report

Subissue: Account information incorrect

Company: JPMORGAN CHASE & CO.

Complaint: In accordance with the Fair Credit Reporting Act, CHASE and XXXX Credit Bureau are violating my rights on account # XXXX. This is my second attempt for Chase and XXXX to correct my credit report regarding a late payment. As part of this complaint, I have attached a sworn affidavit, and I expect Chase and the Credit bureaus to do the same as part of their investigation. In XX/XX/XXXX, I became aware of a need to make a payment on the above account. After attempting to make payments, the payments were not made. In XX/XX/XXXX, I made a credit to the above account of {$420.00}. After making this payment I called Chase XXXXredit services, and they told me that the payment of {$420.00} would not be accepted for payment towards my account. They also said that if I could make a payment of at least {$200.00}, they would make sure that I would not get a late payment. They told me to make the payment before a certain date, which I did on XX/XX/XXXX. After this, several late fees, interest charges, and other fees were added to my account and now I have a late payment on my credit report with the credit bureaus. Chase claims that all conversations are recorded when calling, so if a serious investigation was done by Chase and the credit bureaus, they would know what I was told to do to avoid a late payment and I did it. But Chase and the credit bureaus are still claiming that I have a late payment. In accordance with FCRA, 15 USC 1681s-2 ( b ), Chase and the credit bureaus should not be " reporting information with actual knowledge of errors. '' Also, " any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' the reporting agency shall not furnish that information. After I was told by Chase credit services, as a consumer, that if I did such and such I would not be charged with a late payment, only for Chase to do exactly that is misleading me as a consumer and their own investigations into my claim is misleading because they never mention the phone call in which they said I would not have a late payment. This alone has me believing that Chase and the credit bureaus are not respecting me as a Consumer and violating my consumer rights with impunity. I would expect the XXXX credit bureau to remove this late payment or be fined {$1000.00} a day for reporting such.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---

Complaint ID: 7116478

Product: Credit card or prepaid card

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

Issue: Advertising and marketing, including promotional offers

Subissue: Didn't receive advertised or promotional terms

Company: JPMORGAN CHASE & CO.

Complaint: I am a Chase XXXX Card holder. Here is chase contact info : ( Chase Executive office email- XXXX ) XXXX ( XXXX ) XXXX On Sunday I tried to redeem XXXXXXXX XXXX to my XXXX Redemption Card . The online system did not work. I decided to call an associate who said it was done. I then tried to use card for XXXX which did not work. I called back and spoke to a manager who said it would be done by Monday night. On Tuesday Night, nothing had changed and the issue was still not fixed and continued to be esclated. Essentially blamed XXXX for system errore and refused to provide me my money back as it was over XXXX XXXX I wrote letter to executive office who contacted me on Wednesday. The woman provided her information and again blamed issues on XXXX system issues and she would research the issuem So now I am out XXXX and chance I lose out on XXXX reservations using that money. Listen, not everything is going to work, but it is crazy that this can not be immediately fixed especially when acknowledging the problem. You can not advertise rewards by showing them in account and then when customer goes to use, there is all of the sudden issues. That is crazy. XXXX XXXX XXXX

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

---