JPMorgan Chase Bank, National Association Corporate

Complaint ID: 7897835

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: I disputed a {$320.00} charge made on XX/XX/XXXXXXXX on XX/XX/XXXXXXXX for merchandise not received. Given the length of time since the purchase was made, this purchase falls under Visas 540-day rule. I spoke with multiple Chase representatives who were unaware of this rule yet worked in Chases Disputes department, yet I finally found an agent who was able to file this dispute. Chase has then stated that this purchase still falls outside of their timeframe and will not clarify their rules regarding their adherence to Visas clear 540-day rule, which this purchase clearly falls under. I had a very unprofessional, unhelpful, and rude Account Manager named XXXX XXXX who refused to answer questions, refused to specifically guide me to Chases policies, and began misinterpreting Visas 540-day rule. When I navigated to Chases website where XXXX asked me to go, he refused to provide any further information as he is clearly not abiding by terms laid out in my cardholder agreement. Chase, per Visas code XXXX, please properly resolve this dispute and please educate your team on this rule.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7897666

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Deposits and withdrawals

Company: JPMORGAN CHASE & CO.

Complaint: Im writing this complaint about what seems to be a predatory practice of Chase Bank ( JPMCB ). Chase refuses to allow me access to my funds. After spending hours of calling and trying to rectify the issue, I still do not have access to my account. Chase claims that they allegedly cant confirm where the money is coming from and I, the customer, have to verify where the money comes from even though it says the company and is a chase bank account ( according to the company that processed my check ). They want me to give a number, which I dont have legal access to. So, here is the full rundown of what happened. On XX/XX/XXXX of 2023, I received a check from XXXX, owned by XXXX XXXX, for an insurance claim for the amount of {$2000.00}. My storage unit was broken into and I was compensated for it. Later that day, I traveled to XXXX XXXX to cash my check. I reopened an account that was once closed. They removed the restriction from my account. I decided I was going to cash it in the actual branch in XXXX XXXX on XXXX XXXX beside XXXX but decided against it once the banker ran the check and said it would be held because it was a being shown as a new account. She reversed the deposit and stamped it with a reversal stamp. I then took my check and called other banks about their check cashing process. Once I realized they had similar processes I deposited through the mobile app because I was on a time crunch. My check was accepted. And I patiently waited for the funds to be released I on the XXXX of XXXX. Well, on that day I received the funds and tried XXXXXXXX XXXX car seats from XXXX and it was declined. I spoke with the same bank on XXXX XXXX and they told me my account was restricted and that I needed to verify a phone number in order to have access to the funds. I continued to try to contact the company that owns XXXX but have yet to actually get in contact with the owner. I spoke with the person who processed my claim, also a worker for XXXX and personally knows the owner, and he said that the account the money is coming from is an Account with Chase Bank. He gave me the information of the banker that works at Chase that they could contact and verify. They refused and still want the number of the Owner. The person who processed my claims said that he can not Legally give me the number of the owner. I understand him completely. He insisted that the funds are coming from a Chase account. And if so youd think that they would know who XXXX XXXX is? They continue to claim they dont and cant verify. Others say because it isnt registered to me, but it has my name on the check. One customer service rep told me that its because of the reversal stamp on the back. Another said that they dont have XXXX in their system even though the funds are coming from an account with Chase that XXXX has. Its predatory. They continue to tell me that they can not talk to anyone at XXXX. And that the numbers given arent the owners, but I have no access to him. One representative said that the number wasnt SafeLeases number and said it was XXXX and XXXX XXXXXXXX isnt correct. They continue to give me the runaround because they know that Ill never have access to the CEO and OWNER. I was a victim of theft and now feel as if I am becoming a victim of predatory banking practices. I read where others said this same thing happened to them and the money occurred interest and interest was not received after waiting months to get access to funds. Im not saying that chase is responsible for them not receiving interest. I just hope that it isnt predatory. They continue to jerk around working class people who are just trying to get by and care for their families. I once thought that Chase bank was a great bank for working class people, like myself. Upon further review and my current experience? They are not. I fear that I may be out of more money and into even more debt if this continues and I have to contact a lawyer for legal counsel. There are a lot of talk about people wanting to start a class action lawsuit and its disheartening to see things happen this way. Many of us are facing being unhoused, medical debt, and other financial issues. Were just people who want their money. Chase isnt making it easier with this practice.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7897212

Product: Credit card

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

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Company: JPMORGAN CHASE & CO.

Complaint: On or about XXXX XXXX, I received in response to my inquiry three sheets of paper, each titled " Here 's an update on your disputed charges ''. Transaction Post Date on each was XX/XX/2023. Merchant name on each was AMZN XXXX XXXX ( followed by a different alphanumeric XXXX digit string on each sheet ). Transaction amounts and Dispute amounts were shown as {$140.00}, {$400.00}, and {$580.00}. On XX/XX/2023, I responded that there was no physical description of the items I had allegedly ordered. The date XX/XX/XXXX makes no sense since the incident where Amazon began the shipment of XXXX or more items that mysteriously appeared in my shopping cart was on XX/XX/2023, the date XXXX began delivering all of them even though I had not ordered them or even knew what they were. In numerous conversations with the Fraud Department of the Chase Bank I made it clear that I did not order these items, and successfully returned all but six of them which lacked return instructions, instructions that Amazon refused to send me, but instead told me over the phone to dispose of the unreturned items.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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