JPMorgan Chase Bank, National Association Corporate

Complaint ID: 7993849

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 or around XXXXXXXX XXXX XXXXXXXX, I filed a dispute for transactions noticed on my Chase Business Ink credit card account. There were a series of transactions made starting in XXXXXXXX XXXX XXXXXXXX through to XXXXXXXX XXXX XXXXXXXX. Totaling around {$18000.00}. Chase responded first by giving and temporary credit. Not soon after did chase retaliate by lowering my credit limit from {$16000.00} to only {$500.00}. Once I called to inquire the reason for the retaliation chase reversed ALL of the charges in dispute. I called and requested and spoke to not one but four different supervisors about these reversed charges. EVERY SINGLE representative I spoke with used a different reason as to why the charges were being reversed. The first representative told me that I made some payments of the card there for I should have reported it sooner, I explained that I have an autopay system set up with my credit union that send out payment automatically, something I usually do for all of my credit cards when I first get them, as I am running a business and have more than one business credit card. The second representative I spoke with in XXXX told me that the charges were related to the type of business that I have. I explained that my business deals primarily in real estate but I recently registered it as a trucking business in XXXX. The charges were made prior to me even registering the business as a trucking company so there is no way those charges are mine. I said in fact I only registered it as a trucking company but it still to this day is not operational as that. I provided the Federally mandated website that lists all trucking companies registered in the United States which shows when companies were registered, if they have insurance, what kind of insurance etc.. Not one representative was willing to sit at their desk ( which they are doing already ) and click on a few pages to see the unbiased information listed on the federal website. Another representative I spoke with told me that some of the charges seemed fishy therefore ALL of the charges in dispute would be reversed. No one is willing to give a straight answer, everyone gave completely different reasons for these transactions being reversed, no one is doing a proper investigation at all.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7993826

Product: Money transfer, virtual currency, or money service

Sub-Product: Domestic (US) money transfer

Issue: Other transaction problem

Subissue:

Company: JPMORGAN CHASE & CO.

Complaint: On XX/XX/2023 an automatic payment of {$500.00} came out of my Chase account and was applied to a paid off car loan to a XXXX XXXX XXXX. The XXXX issued a refund of the {$500.00} due to the car loan being paid off and the money not being applied to any loan. The XXXX sent the {$500.00} back to my Chase bank debit card on or about XX/XX/2023 through means of Pulse ACH ( documented by means of screenshots from XXXX showing reversal ). Due to not seeing the amount of {$500.00} reflect back into my Chase account, I filed a claim with Chase for the original {$500.00} that came out of my account on XX/XX/2023. Chase issued a " temporary credit '' on my account once the claim was filed. Chase opened and closed my claim once, but their representatives kept requesting I submit necessary documents regarding this dispute, so I did. I provided a personal statement about the original amount coming out not being authorized, several screenshots XXXX being of an email notification of the payment being noted as an " automatic payment '' and coming out of my bank account at XXXX ( showing I was not physically paying the amount at a bank with my card ), the statement from XXXX showing the loan was paid off late XX/XX/2023, a screenshot of XXXX showing the reversal, and a written letter/statement from a supervisor at XXXX stating XXXX money was reversed back to my Chase debit card. Today, XX/XX/2023, I still do not have the {$500.00} back. Instead, I called Chase Claims today and spoke with XXXX at around XXXX EST. He stated due to the claim being past the timeframe of investigation ( 30 days ) it can not be reopened. This is not posted anywhere, only the investigative team is aware there is a XXXX open window for a claim to be investigated. XXXX also denied me a supervisor to speak with and stated " the money was returned to the merchant. '' This is only XXXX of the XXXX conversations I have had with Chase.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7993567

Product: Checking or savings account

Sub-Product: Other banking product or service

Issue: Managing an account

Subissue: Banking errors

Company: JPMORGAN CHASE & CO.

Complaint: There is a security breach/ cyber-attack with Chase Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was a total of three unauthorized transactions that happened with my account. One was for {$200.00}, the other was {$320.00} and the last was {$500.00}. When I first contacted XXXX about the {$1000.00} missing from my account, they said it was up to Chase Bank because there are the responsible party at fault and they are just a third party company. When I tried to address the issue with Chase, they said it was XXXX 's problem and they would issue a temporary credit pending an investigation. They did credit my account. After a few days, Chase reported that the money stolen from my account was authorized and they debited my account for {$1000.00}. Soon afterwards, I filed a police report and I along with my father XXXX XXXX walked into the Chase branch located XXXX XXXX XXXX XXXX, XXXX, IN XXXX. We spoke to XXXX and showed her the police report, and she called the investigation department for another investigation. To make a long story short, I asked Chase to follow the transactions and to press charges on the people who stole the money from my account. They declined. I asked for proof in writing that an investigation was done. They told me to come back in two weeks and they would mail them to the branch. I came back three weeks later and they said give them two more weeks. Which leads up to today. Chase Bank said they would not provide evidence of any investigation and they wouldn't credit the account. Chase were no help. XXXX was no help and I'm sure they have insurance policies in place for such cyber-attacks.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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