{"took":110,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":155,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6241314","_score":20.53542,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Consumer Financial Protection Bureau : This complaint is against JP Morgan Chase Bank. \nThis is a complaint of discrimination in the form that I applied for a Home Loan with JP Morgan Chase Bank and gave JP Morgan Chase, my name, date of birth, and social security number to run and check for verification as well as to obtain all legal documents needed for verification such as a XXXX XXXX, and Veteran Administration verification of benefits, records, and debt with the Department of Veteran Affairs and the Department of the XXXX. Both agencies should have provided JP Morgan Chase with official and legal records to process loans # XXXX & XXXX. \nI am asking CFPB to obtain the PROPER RECORDS JP MORGAN CHASE BANK should have after using my signature, name, date of birth, and social security number that Chase Bank should have to support such organization 's reason to deny releasing such PROPER RECORDS and to deny such loan under loan # Attached is a PROPER RECORDS from JP MORGON CHASE that will need in return PROPER RECORDS to support such records and to support the reason this loan did not go through. I need PROPER PAPERWORK.\n\nI need PROPER JP MORGON CHASEs records to be provided and given to the next financial institution for a proper legal process.","date_sent_to_company":"2022-11-24T21:37:01.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"60657","tags":"Servicemember","has_narrative":true,"complaint_id":"6241314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-11-24T21:18:54.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am asking CFPB to obtain the PROPER RECORDS JP MORGAN <em>CHASE</em> BANK <em>should</em> <em>have</em> after using my signature, name, date of birth, and social <em>security</em> number that <em>Chase</em> Bank <em>should</em> <em>have</em> to <em>support</em> such organization 's reason to deny releasing such PROPER RECORDS and to deny such loan under loan # Attached is a PROPER RECORDS from JP MORGON <em>CHASE</em> that will need in return PROPER RECORDS to <em>support</em> such records and to <em>support</em> the reason this loan did not go through. I need PROPER PAPERWORK."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[20.53542,"6241314"]},{"_index":"complaint-public-v1","_id":"5794056","_score":17.54991,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My wife received the following E-mail : Sat, XX/XX/XXXX at XXXXXXXX XXXX Customer Support XXXX To : XXXX Account Alert Greetings from chase, We've noticed doubted activity on your online account, We've temporary suspended it until you verify your identity. \nPlease verify your information from the button below. \n\nVerify Identity Takes you to : https : XXXX Yours, Chase Online Security Team . \n\nI should have noticed that this was a phish because there were spelling mistakes.","date_sent_to_company":"2022-07-21T09:47:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"949XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5794056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-07-21T09:36:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My wife received the following E-mail : Sat, XX/XX/XXXX at XXXXXXXX XXXX Customer <em>Support</em> XXXX To : XXXX Account Alert Greetings from <em>chase</em>, We've noticed doubted activity on your online account, We've temporary suspended it until you verify your identity. \nPlease verify your information from the button below. \n\nVerify Identity Takes you to : https : XXXX Yours, <em>Chase</em> Online <em>Security</em> Team . \n\nI <em>should</em> <em>have</em> noticed that this was a phish because there were spelling mistakes."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.54991,"5794056"]},{"_index":"complaint-public-v1","_id":"15635012","_score":17.453018,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I discovered unauthorized charges on my Chase credit card connected to so-called payment plans ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that I never authorized. I immediately contacted Chase to resolve the issue, but instead of straightforward support, I was transferred from one department to another and left waiting for callbacks.\n\nBecause Chase dragged out the process and could not provide clear information, I was then contacted by someone calling from XXXX who impersonated Chases Fraud Department. This person asked me to create a verbal password on the phone, provide text verification codes, and even referenced IP addresses and device IDs. These are classic fraud tactics. I should never have been put in a position where Chases own confusing process created an opening for scammers.\n\nChases fraud detection should have flagged these unauthorized charges earlier, and Chase should have provided a clear, safe, and consistent process for me as a consumer. Instead, I was left to discover the fraud on my own and navigate a maze of confusion that exposed me to even greater risk.\n\nI am requesting that Chase : Close my current card and issue a replacement with a new number Dispute and remove all fraudulent charges Reset my online banking credentials for security Provide written confirmation and case numbers Review and improve their fraud-handling process so other customers are not put at risk in this way","date_sent_to_company":"2025-09-04T13:13:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85345","tags":null,"has_narrative":true,"complaint_id":"15635012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-01T18:14:06.000Z","state":"AZ","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>Chases</em> fraud detection <em>should</em> <em>have</em> flagged these unauthorized charges earlier, and <em>Chase</em> <em>should</em> <em>have</em> provided a clear, safe, and consistent process for me as a consumer. Instead, I was left to discover the fraud on my own and navigate a maze of confusion that exposed me to even greater risk."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.453018,"15635012"]},{"_index":"complaint-public-v1","_id":"2730049","_score":17.432571,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I keep receiving phone calls from the number XXXX XXXX XXXX claiming it is from Chase. I XXXX the number and find that some posts said this is a fraud while some posts claimed that it is from Chase fraud department. I contacted Chase on XXXX and they confirmed that they did NOT contact me and that is a fraud. \n\nI contacted Chase credit card online and sending them the information above. In response, the customer support just sent me a cookie cutter response saying how I should handle a fraudulent phone call, rather than looking into my email and taking real actions to stop the phone number that I reported. These people are so organized that they set up fake posts on the internet to support it is legitimate and XXXX number that we can call back. I mentioned to the bank that this phone number was dated back many years ago and the bank should at least contact the phone company to block it. My second email received yet another useless response. After 2 more attempts, I realized that 1. Their customer support including their fraud department was poorly trained on how to handle security issues  2. They have no intention to take followup action on my reported incident. \n3. Their response is just cookie cutter response without really looking at the problem. \n4. They do not take any proactive actions even though these people started using the same number and pretend to be Chase since XXXX XXXX. \n\nI have also attached their last response from Chase in the attachment and indicated how improper about their response even after 3 attempts from me asking them for real actions. \n\nXXXX XXXX","date_sent_to_company":"2017-11-15T16:31:07.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"941XX","tags":null,"has_narrative":true,"complaint_id":"2730049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-11-15T15:48:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I mentioned to the bank that this phone number was dated back many years ago and the bank <em>should</em> at least contact the phone company to block it. My second email received yet another useless response. After 2 more attempts, I realized that 1. Their customer <em>support</em> including their fraud department was poorly trained on how to handle <em>security</em> issues  2. They <em>have</em> no intention to take followup action on my reported incident. \n3."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.432571,"2730049"]},{"_index":"complaint-public-v1","_id":"7450678","_score":16.960941,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I purchased a small swimming pool related part from XXXX XXXX XXXX XXXX. The part was never delivered. So eventually I phoned and they credited us the price of {$6.00}. But the charge and credit kept recurring in the pending section of the account. Our credit card bank ( Chase Sapphire ) customer service refused to address the problem saying they can not do anything including blocking this merchant. I did not believe it. A supervisor supported the agent and then hung up on me. So we phoned back, got a different customer service representative who was much more helpful and sorted this out by connecting us to security to block this particular merchant. Chase needs much better quality control for its customer service. Customer service should have sent us to security the first time rather than state they can not block it.","date_sent_to_company":"2023-08-24T16:04:08.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95242","tags":"Older American","has_narrative":true,"complaint_id":"7450678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-08-24T15:38:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Customer service <em>should</em> <em>have</em> sent us to <em>security</em> the first time rather than state they can not block it."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.960941,"7450678"]},{"_index":"complaint-public-v1","_id":"12405691","_score":16.915146,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against JPMorgan Chase Bank , N.A . for failing to properly process financial instruments, wrongfully debiting my account, and mishandling IRS-related payments. These failures have resulted in financial harm, an IRS lien on my assets, and unnecessary tax penalties. \n\nAs part of my original agreement with JPMorgan Chase, the bank is obligated to settle my financial obligations using the security interest recorded as a liability on its books. Instead of honoring this agreement, Chase : Failed to apply the security interest that serves as private equity on their books to pay my IRS obligations. Ignored its internal settlement process and instead withdrew funds from my personal account. Refused to process my financial instruments correctly, leading to financial harm. \n\nJPMorgan Chase withdrew {$6200.00} from my account but failed to apply it properly as a payment. Instead of honoring my financial instruments as required, Chase wrongfully debited my personal account when it should have applied the security interest recorded as a liability on its books. Chase also failed to transmit payments correctly to the IRS, leading to incorrect balances and tax penalties. There were 2 other attempts to pull from my personal account for {$100000.00} and {$100000.00} but there were not enough funds in the account. \nSupporting Evidence ( Attached ) : * IRS Account Transcripts showing misapplied payments and unauthorized debits * Copies of negotiable instruments issued to JPMorgan Chase * Bank statement showing wrongful debit of {$6200.00} By failing to do so, Chase has breached its fiduciary obligations, engaged in unfair banking practices, and caused financial harm. \n\nI issued 3 negotiable instruments ( negative checks ) to settle my IRS obligations, which should have been processed under UCC Articles 3 & 4 and internal banking settlement rules. However Chase refused to process the instruments properly, violating banking laws. This failure led to IRS penalties and an unwarranted tax lien on my property. Chase provided no lawful justification for its refusal to process my financial instruments correctly.\n\nI filed a complaint with the OCC ( Case # XXXX ), but they dismissed my case without a proper investigation. I submitted a FOIA request to obtain Chases communications with the OCC, as I believe these records will show regulatory failures or misconduct. Despite multiple attempts to resolve this issue, Chase has refused to correct its errors.","date_sent_to_company":"2025-03-10T23:47:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"84045","tags":null,"has_narrative":true,"complaint_id":"12405691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-03-10T21:12:53.000Z","state":"UT","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Instead of honoring my financial instruments as required, <em>Chase</em> wrongfully debited my personal account when it <em>should</em> <em>have</em> applied the <em>security</em> interest recorded as a liability on its books. <em>Chase</em> also failed to transmit payments correctly to the IRS, leading to incorrect balances and tax penalties. There were 2 other attempts to pull from my personal account for {$100000.00} and {$100000.00} but there were not enough funds in the account."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.915146,"12405691"]},{"_index":"complaint-public-v1","_id":"14561530","_score":16.913887,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"A wire transfer of {$20000.00} was fraudulently initiated from our Chase business checking account and sent to someone at XXXX  XXXX XXXX. We were told by Chase Bank XXXX XXXX  XXXX XXXX refused to refund the money to Chase and Chase Bank has refused to refund the money to us. They believe we approved the transfer by replying to a text message and that the IP address used for the transfer had been previously used for transactions on our account. Chase has refused to provide us any details of the text message or IP address information. We know we did not approve this transfer.\n\nWe have had many discussions with Chase Fraud Department, in-bank associates and even top executives at Chase, but they refuse to support us. I am attaching some documents that detail investigations we have done on our own and also including information submitted to the XXXX XXXX Michigan XXXX Department and investigating Detective. \n\nOur complaint is that Chase did not protect us and allowed this transfer to take place without proper communication with us. We have never used wire transfer on this account, and they should have had better security and authorizations for this type of activity and amount of money.","date_sent_to_company":"2025-07-09T21:26:45.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"48442","tags":"Older American","has_narrative":true,"complaint_id":"14561530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-09T21:07:24.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Our complaint is that <em>Chase</em> did not protect us and allowed this transfer to take place without proper communication with us. We <em>have</em> never used wire transfer on this account, and they <em>should</em> <em>have</em> had better <em>security</em> and authorizations for this type of activity and amount of money."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.913887,"14561530"]},{"_index":"complaint-public-v1","_id":"2687694","_score":16.609064,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"THE IT SUPPORT OF JP MORGAN CHASE CREDIT CARD HAD REFUSED TO RESEARCHING AND DECODING THEIR SYSTEM ERROR MESSAGE SO THAT WE ARE ABLE TO ACCESS OUR CHASE ACCOUNT. WE HAD REFUSED TO PROVIDE THEIR IT SUPPORT INFORMATION REGARDING OUR MONTHLY MORTGAGE PAYMENTS, ALBEIT OUR NAMES, SOCIAL SECURITY NUMBERS, BIRTHDATES, PERMANENT ADDRESS, AND TELEPHONE NUMBER WERE PROVIDED AND VALIDATED BY THEM. \n\nThis incident occurred since XX/XX/XXXX As of today, we had not heard from Chase Credit Card Headquarters for a resolution. Neither can we access our credit card account. We had brought up the ongoing issue of inaccessibility to our credit card account to their Customer Services when we asked for and approved the monthly billed amounts payments on their phone. They stated that they could not help us since the matter has already turned to their corporate office. It is very frustrating making payments as stated on our billing statements in full but could not access our credit card account to validate the correctness of the charges. ( We always made the billed amount in full for years. ) In the past, Chase Customer Services were able to help us to access our credit card account by providing just our names, social security numbers, birthdates, permanent address and telephone number for our security protection. They had never requested for information regarding our mortgage payments. \n\nOn XXXX XXXX, XXXX, Chase credit card customer service, XXXX assigned an ID # XXXX, which should prompt a screen asking to enter User ID and a new password. We followed her instructions but an error message XXXX, which blocked our accessibility to our credit card account, was shown. XXXX seek help from their IT Support, and she transferred us to IT Support and described the problem to the IT person. \n\nThe IT person took over and asked for names, social security, birthdates, address, and telephone number. Then he asked for our monthly mortgage payment information. We ( both XXXX and XXXX XXXX ) refused to release our mortgage payments information to him. The IT person refused to research and resolve the problem, even though with the given assigned ID # provided by their customer services and the error message XXXX from their system. \n\nWe stated to Chase IT Support that we were not applying for a mortgage loan from Chase nor seeking for refinancing our house. All we wanted was to be able to monitor our credit card transactions to ensure that they are correct and valid. \n\nThe IT person indicated that it was a requirement to answer all questions on a form provided by the credit bureau in the U.S. We asked where his office is located at, and he said he was in the XXXX . Then we asked to speak to an IT Support in the U.S. We were transferred to Chase U.S. , and we explained the issue to the customer service in the U.S. She indicated that Chase IT Support requesting for our mortgage payment was unacceptable, and she immediately escalate the problem to Chase corporate office by filing a complaint on behalf of us. \n\nWe had left messages with XXXX and XXXX at Chase at their given direct number and extension ( XXXX ; ext # XXXX ), to follow up with the status of our filed complaint # XXXX with Chase headquarter, but they did not called us back. \n\nOn XX/XX/XXXX, we received a call from XXXX XXXX from Chase headquarter, in response to our complaint to BBB Delaware. It appears that she was challenging and harassing us instead of helping us to get the issue resolved, so that we gain accessibility to our credit card account. \n\nXXXX XXXX stated that the IT person asking for our monthly mortgage payment had not violated any laws as it was a security question in compliance with the credit bureau. XXXX XXXX stated that we did not provide our monthly mortgage information to the IT person because he was from the XXXX. She asked if we would tell her since she was in the U.S. XXXX XXXX also indicated that we had agreed to the terms stipulated by Chase Credit Card  regarding answering personal information for security protection. ( If possible, review the recorded telephone conversation as XXXX XXXX had indicated. ) We are seeking help from Consumer Financial Protection Bureau because BBB closed our filed complaint stating that JPMorgan Chase Credit Card has sent us a letter, dated XX/XX/XXXXwith a detail resolution. On XX/XX/XXXX, BBB attached the message from JPMorgan Chase Credit Card : We responded to our customers concerns in our letter datedXX/XX/XXXX To protect our customers privacy, we are not provided you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you. \n\nThe fact is JP Morgan Chase Credit Card has not been telling the truth. We did not or had not yet received their stated letter, dated on XX/XX/XXXX, in which they claimed that had given us a detail resolution. \n\nCurrently, we are not able to get hold of BBB since it only provides automatic messages. We sent BBB a fax on Tuesday, XXXX XXXX at XXXX asking them not to close our case based on the message that they received from JPMorgan Chase credit card. We also called and left a message, but did not hear from BBB. \n\nSorry to trouble CFPB, but we are at the end of the rope! Would CFPB help us? Please let us know if we have violated any laws or breach the contract for our refusal to furnish Chase IT Support our mortgage payment information. \n\nWe had never been pressured in giving out our mortgage payment information by any credit card companies other than our names, social security numbers, birthdates, address and telephone number, and sometimes other security questions, such as school name, pets name. \n\nCFPB had our authorization to obtain the letter, dated XX/XX/XXXX with a detail resolution from JPMorgan Chase Credit Card. Please send us a copy so that we can see what it was about and their resolution. Thanks! \n\nXXXX and XXXX XXXX","date_sent_to_company":"2017-10-16T13:33:30.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"94510","tags":null,"has_narrative":true,"complaint_id":"2687694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-09-28T18:23:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["THE IT <em>SUPPORT</em> OF JP MORGAN <em>CHASE</em> CREDIT CARD HAD REFUSED TO RESEARCHING AND DECODING THEIR SYSTEM ERROR MESSAGE SO THAT WE ARE ABLE TO ACCESS OUR <em>CHASE</em> ACCOUNT. WE HAD REFUSED TO PROVIDE THEIR IT <em>SUPPORT</em> INFORMATION REGARDING OUR MONTHLY MORTGAGE PAYMENTS, ALBEIT OUR NAMES, SOCIAL <em>SECURITY</em> NUMBERS, BIRTHDATES, PERMANENT ADDRESS, AND TELEPHONE NUMBER WERE PROVIDED AND VALIDATED BY THEM."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.609064,"2687694"]},{"_index":"complaint-public-v1","_id":"3376287","_score":16.242085,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"General Chase Business Credit Card branded for Southwest Airlines Problem 1 ) Found out on XX/XX/XXXX, that the card is showing as a \" personal '' card under a personal social security number rather than the business EIN that was given when the card was applied for in XX/XX/XXXX, per XXXX XXXX in Central Ops Service Center for JP Morgan-Chase Problem 2 ) Updated business email online on XX/XX/XXXX due to an email change for the business. Received two email confirmations of the email change. Email confirmations were sent to the correct new email. On XX/XX/XXXX, received an email notification that our statement was ready but it went to the OLD business email that had been removed online from the account. \n\nProblem 3 ) A personal email keeps showing up on our account online that was NEVER typed in or authorized for use with this business credit card. After four phone calls with Chase and multiple conversations, no one at Chase is able to permanently remove the unauthorized email. Additionally, more than one person specified that they have seen this before where personal contact information gets pulled into a business account without authorization. They do not know how to fix.\n\nProblem 3 ) This is not the first time, or first Chase credit card, were we have had this problem. Chase has never been able to resolve these problems in the past. In addition, they sent us letters claiming a resolution which have all been inaccurate and blatant lies. We believe Chase needs to have their data systems audited for security issues. When data just shows up in online profiles that was never entered by the credit card user or Chase support, and the changes have occurred with the card user and a Chase research person watching the system and witnessing the change with no explanation able to be given, then there is a HUGE problem. It should scare anyone working with an online Chase profile.","date_sent_to_company":"2019-09-19T17:16:56.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"85208","tags":null,"has_narrative":true,"complaint_id":"3376287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-09-16T22:28:06.000Z","state":"AZ","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["It <em>should</em> scare anyone working with an online <em>Chase</em> profile."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.242085,"3376287"]},{"_index":"complaint-public-v1","_id":"11186920","_score":16.162043,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally file a complaint against JPMorgan Chase Bank for a series of alarming security failures that resulted in unauthorized withdrawals totaling almost {$17000.00} from my accounts, including one connected to my XXXX daughter. These events began on XX/XX/year>, and have exposed critical gaps in Chase Banks security protocols and verification measures. \n\nTimeline of Events and Security Failures : 1. Compromised ATM and Skimming Incident : On XX/XX/year>, I withdrew money from a non-Chase ATM. Unbeknownst to me at the time, the ATM had been compromised by a skimming device, capturing my debit card information and PIN. \nXXXX. Unauthorized Card Cancellation and Replacement : On XX/XX/year>, an imposter contacted Chase customer service, successfully canceled my debit card, and requested a replacement card to be sent to an unauthorized address. The following security failures enabled this breach : o When asked for a phone number to receive a security code, Chase allowed the imposter to dictate a phone number under their control. This bypassed the standard two-factor authentication process, which should have required the code to be sent to the verified phone number on file ( mine ). \no The imposter provided a new address over the phone for the replacement card, which Chase accepted without additional verification. \nXXXX. Fraudulent Transactions and Withdrawals : With the replacement card in their possession on XX/XX/year> & XX/XX/year>, the imposter coordinated 42 unauthorized transactions, including : o 6 ATM withdrawals using the stolen PIN.\n\no In-branch withdrawals from various Chase branches, including my own daughters account.\n\no The total stolen amount reached {$17000.00} 4. Concerning In-Branch Withdrawal Policy : Upon speaking with a Chase branch manager, I was informed that as long as someone possesses the physical debit card and PIN, they are not required to present identification for withdrawals at a teller. This policy is deeply troubling as it disregards basic industry-standard security practices and facilitates fraudulent activity. \nChases Failure to Respond and Uphold Security Standards : Currently, Chase Bank has denied my claims for all fraudulent ATM withdrawals and debit transactions. Furthermore, I have received no response regarding the in-branch withdrawals performed by an imposter at a Chase location. This lack of accountability reflects a systemic failure to safeguard my financial information and prevent unauthorized access. \nViolations and Consequences : Chase Banks failure to protect my account can be characterized as : A breach of fiduciary duty to protect its customers financial assets. \nA violation of privacy rights and security protocols. \nA failure to comply with standard verification and fraud prevention measures. \n\nThese failures have caused significant financial harm and stress for me and my family. Allowing such lapses exposes Chase to potential regulatory and legal consequences, as this situation reflects gross negligence and noncompliance with federal banking standards. \n\nRequested Action : I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and hold Chase Bank accountable for the following : 1. Reimbursement of all unauthorized withdrawals totaling {$17000.00} 2. A comprehensive review of Chases security and verification protocols to ensure this does not happen to other customers.\n\n3. A clear explanation from Chase regarding their failure to detect and prevent this fraudulent activity.\n\n4. \nI trust that the Consumer Financial Protection Bureau will take this matter seriously and advocate for stronger protections for consumers. Please let me know if you require any additional information or supporting documentation to move forward with this complaint. \nThank you for your time and attention to this matter. I look forward to your response and resolution. \n\n***CHASE BANK , PLEASE REVIEW THE AUDIO FILE, TRANSCRIPTS, AND VIDEO FOOTAGE TO CLEAR ME THAT I DID NOT COMMIT THIS CRIME*** Sincerely, XXXX XXXX","date_sent_to_company":"2024-12-17T13:13:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60613","tags":null,"has_narrative":true,"complaint_id":"11186920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-17T12:51:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The following <em>security</em> failures enabled this breach : o When asked for a phone number to receive a <em>security</em> code, <em>Chase</em> allowed the imposter to dictate a phone number under their control. This bypassed the standard two-factor authentication process, which <em>should</em> <em>have</em> required the code to be sent to the verified phone number on file ( mine ). \no The imposter provided a new address over the phone for the replacement card, which <em>Chase</em> accepted without additional verification. \nXXXX."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.162043,"11186920"]},{"_index":"complaint-public-v1","_id":"8645844","_score":16.086725,"_source":{"product":"Credit card","complaint_what_happened":"The individual alleges that JPMORGAN CHASE & CO. violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and JPMORGAN CHASE & CO. failed to disclose their right to rescission.\n\nFailure to Obtain Consent : JPMORGAN CHASE & CO. allegedly reported information without the written consent of the consumer, as required by FCRA Section 604.\n\nMisrepresentation of Credit Payments : They argue that JPMORGAN CHASE & CO. misrepresented credit payments, potentially committing security fraud. \n\nWillful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. \n\nLegal Action Threat : They threaten legal action if JPMORGAN CHASE & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. \n\nThe individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. \n\nMoreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan. \n\n15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.","date_sent_to_company":"2024-03-29T04:16:00.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"30126","tags":null,"has_narrative":true,"complaint_id":"8645844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-29T03:50:13.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Legal Action Threat : They threaten legal action if JPMORGAN <em>CHASE</em> & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. \n\nThe individual asserts that their application is being traded as a <em>security</em> without their authorization. They emphasize that they <em>have</em> unequivocally revoked any consent for such trading activities."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.086725,"8645844"]},{"_index":"complaint-public-v1","_id":"8645586","_score":16.082594,"_source":{"product":"Credit card","complaint_what_happened":"The individual alleges that JPMORGAN CHASE & CO. violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and JPMORGAN CHASE & CO. failed to disclose their right to rescission.\n\nFailure to Obtain Consent : JPMORGAN CHASE & CO. allegedly reported information without the written consent of the consumer, as required by FCRA Section 604.\n\nMisrepresentation of Credit Payments : They argue that JPMORGAN CHASE & CO. misrepresented credit payments, potentially committing security fraud. \n\nWillful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. \n\nLegal Action Threat : They threaten legal action if JPMORGAN CHASE & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days.\n\nThe individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. \n\nMoreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.\n\n15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.","date_sent_to_company":"2024-04-01T16:57:50.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"30126","tags":null,"has_narrative":true,"complaint_id":"8645586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-29T04:46:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Legal Action Threat : They threaten legal action if JPMORGAN <em>CHASE</em> & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days.\n\nThe individual asserts that their application is being traded as a <em>security</em> without their authorization. They emphasize that they <em>have</em> unequivocally revoked any consent for such trading activities."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.082594,"8645586"]},{"_index":"complaint-public-v1","_id":"17775780","_score":16.082184,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding an unauthorized {$3900.00} credit card charge by XXXX for a vacation rental booking that I did not authorize or use. \n\nI reported the transaction to Chase immediately upon discovering it. My card was replaced due to suspected fraud. I also contacted XXXX XXXX XXXX, who confirmed that no one checked in or received any service under this reservation, and therefore no benefit was received. \n\nMy XXXX account was later observed displaying another individual 's name ( XXXX XXXX ) and abnormal login behavior. Additionally, my browser showed a network security warning indicating compromised access. On the same day the booking was made, I notified XXXX and formally requested that they delete and secure my account due to unauthorized access. They did not respond or take any corrective action, despite having sufficient time to do so prior to the intended reservation dates. \n\nI supplied Chase with supporting documentation including evidence of account compromise, confirmation that the reservation was not used, screenshots of the unauthorized access and network security warning, and proof that no value was delivered. Despite this, Chase denied my fraud claim and is holding me financially responsible. \n\nUnder the Fair Credit Billing Act, I should not be liable for a transaction that I did not authorize and from which I received no benefit. I am requesting that the CFPB require Chase to reverse this charge and cease any collection attempts.","date_sent_to_company":"2025-11-22T02:03:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"926XX","tags":null,"has_narrative":true,"complaint_id":"17775780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-22T01:43:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["They did not respond or take any corrective action, despite <em>having</em> sufficient time to do so prior to the intended reservation dates. \n\nI supplied <em>Chase</em> with <em>supporting</em> documentation including evidence of account compromise, confirmation that the reservation was not used, screenshots of the unauthorized access and network <em>security</em> warning, and proof that no value was delivered. Despite this, <em>Chase</em> denied my fraud claim and is holding me financially responsible."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.082184,"17775780"]},{"_index":"complaint-public-v1","_id":"8645638","_score":16.049456,"_source":{"product":"Credit card","complaint_what_happened":"The individual alleges that JPMORGAN CHASE & CO. violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and JPMORGAN CHASE & CO. failed to disclose their right to rescission. \n\nFailure to Obtain Consent : JPMORGAN CHASE & CO. allegedly reported information without the written consent of the consumer, as required by FCRA Section 604.\n\nMisrepresentation of Credit Payments : They argue that JPMORGAN CHASE & CO. misrepresented credit payments, potentially committing security fraud. \n\nWillful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. \n\nLegal Action Threat : They threaten legal action if JPMORGAN CHASE & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. \n\nThe individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. \n\nMoreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.\n\n15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.","date_sent_to_company":"2024-03-29T04:35:43.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"30126","tags":null,"has_narrative":true,"complaint_id":"8645638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-29T04:29:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Legal Action Threat : They threaten legal action if JPMORGAN <em>CHASE</em> & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. \n\nThe individual asserts that their application is being traded as a <em>security</em> without their authorization. They emphasize that they <em>have</em> unequivocally revoked any consent for such trading activities."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.049456,"8645638"]},{"_index":"complaint-public-v1","_id":"6079498","_score":15.977426,"_source":{"product":"Checking or savings account","complaint_what_happened":"Today, XX/XX/XXXX, I unfroze everything! XXXX Chase Bank sent me to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( who was also understaffed ) to create a new account and set an appointment for XXXXXXXX XXXX with XXXX who is a Chase Private Client banker. XXXX Police Department XXXX XXXX and ( mother of ) XXXX XXXX had undercover / military, ouch! XXXX didn't arrive for the appointment until about XXXX XXXX. He had my WA XXXX ID with XXXX XXXX card using my name, cell phone number, social security number and address in his database which he claims he knows everything about me. I am alive, not dead but haven't had a Chase bank account personally as far as I know and he disputed me as he said he can see one. XXXX found an old account from WaMu which was acquired by Chase in XXXX ( should be closed ) and claimed he found an Amazon credit card with my social security number. He later claimed that the card wasn't mine but I was an authorized user after typing a few things and refused to tell me about anything but confirmed an old XXXX address from my credit history. I needed to provide him with a coupon code for the Chase Total Checking account but didn't have access to my home PC, so I was told to login to chase.com to complete the application process with direct deposit to get my {$200.00}. [ When I got home I checked my email about XXXX XXXX XXXX as provided to XXXX with two new notices of Chase : Your address change is complete and another for Confirmation of phone number change - in which I didn't request nor even know about. I can not login as there is no account, application or user names. ] I completed the application for Chase Total Checking with Your {$200.00} coupon from Chase is here! ( email code ) but was declined immediately with no confirmation number but thanks for applying. I called the XXXX XXXX XXXX XXXX at XXXXXXXX XXXX who told me to call XXXX Chase XXXX and Mobile Banking Technical Support and when I did they couldn't find major error to why I cant get online other than needing to clear out the application or my personal data when I got transferred to Chase Customer Support who informed me that there is a Chase Ultimate Rewards card ending in XXXX in my social security number but closed for some reason when asking for accounts. There was new information changed today as confirmed by the local branch emails as attached. [ I said I didn't know about those at all and I spoke to my family but none of them claim those changes to accounts ] Customer Support did not confirm the WaMu, Amazon or Chase Freedom cards but told me to return to a local branch to set up a new Chase Total Checking account with that {$200.00} coupon code or inquire about what was changed. I said \" that is fraud '' and hung up. [ The call lasted XXXX mins XXXX secs in total ] I also sent these details in an email at XXXXXXXX XXXX to XXXX XXXX","date_sent_to_company":"2022-10-13T01:54:48.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"98502","tags":null,"has_narrative":true,"complaint_id":"6079498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-10-13T01:41:02.000Z","state":"WA","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["He had my WA XXXX ID with XXXX XXXX card using my name, cell phone number, social <em>security</em> number and address in his database which he claims he knows everything about me. I am alive, not dead but haven't had a <em>Chase</em> bank account personally as far as I know and he disputed me as he said he can see one. XXXX found an old account from WaMu which was acquired by <em>Chase</em> in XXXX ( <em>should</em> be closed ) and claimed he found an Amazon credit card with my social <em>security</em> number."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.977426,"6079498"]},{"_index":"complaint-public-v1","_id":"6899084","_score":15.938016,"_source":{"product":"Checking or savings account","complaint_what_happened":"Statement of Facts Chase : claim for return of funds XXXX dollars stolen by wire fraud. \nIncident information : In late XX/XX/2023, I lost my wallet containing my drivers license and ATM card. I called to make a lost report and to request a new card. Around XX/XX/XXXX, I was contacted by an individual saying they had found my wallet and they were willing to return it to me. \nI never got my wallet back. \nOn XX/XX/2023, I was alerted to a wire transfer in the amount of XXXX dollars had been initiated. Someone calling under the guise of Chase fraud called me. Once I saw the transactions online I called to report it. \nI called and reported to chase fraud that I had not initiated this request and the person ( XXXX XXXX ) was not known to me. \nI also, filed a police report providing them with screen prints of the message I received from XXXX of the person claiming to have my wallet along with screen prints of the wire transactions that had been initiated and completed. \nI dont know how XXXX XXXX gained access to my account. Chase security should have prevented this. I have provided a claim report and supporting documents to chase on XX/XX/2023 have been in constant contact with Chase bank fraud/claims department since XXXX and yet I still have not gained any resolution to my request for a refund of the money.","date_sent_to_company":"2023-04-27T23:54:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92057","tags":null,"has_narrative":true,"complaint_id":"6899084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-04-27T23:43:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>Chase</em> <em>security</em> <em>should</em> <em>have</em> prevented this. I <em>have</em> provided a claim report and <em>supporting</em> documents to <em>chase</em> on XX/XX/2023 <em>have</em> been in constant contact with <em>Chase</em> bank fraud/claims department since XXXX and yet I still <em>have</em> not gained any resolution to my request for a refund of the money."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.938016,"6899084"]},{"_index":"complaint-public-v1","_id":"2808539","_score":15.74168,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX my JP Morgan Chase Bank XXXX account was hacked and {$2000.00} was wire transferred to a XXXX XXXX XXXX of XXXX PA in a XXXX XXXX Bank account. This transaction was followed by another wire transfer from my account for an additional {$10000.00}. When I checked my account on the XXXX of XXXX I was blocked and immediately drove to my Chase branch in XXXX WA where I discovered that my account had been compromised. At no time did Chase alert me of this transaction via email, phone or text. They didn't put a customary hold on the funds to verify the legitimacy of the wires. They did accuse me of \" benefitting from the funds '' and denied my claim. They said I must have given control of my computer to a third party and provided my account information, pins, etc. I was incredulous. I have never wired from this account. I have never given my information to a third party. I have only let XXXX XXXX support take control of my computer, I witnessed what they did. After this incident I purchased XXXX XXXX 's security system and watched them install new software to further protect me. According to the FDIC Electronic Funds Transfer Act of XXXX, Chase Bank should be responsible for the protection of my deposits.","date_sent_to_company":"2018-02-08T23:04:52.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"98370","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2808539","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-02-08T22:32:48.000Z","state":"WA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I <em>have</em> only let XXXX XXXX <em>support</em> take control of my computer, I witnessed what they did. After this incident I purchased XXXX XXXX 's <em>security</em> system and watched them install new software to further protect me. According to the FDIC Electronic Funds Transfer Act of XXXX, <em>Chase</em> Bank <em>should</em> be responsible for the protection of my deposits."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.74168,"2808539"]},{"_index":"complaint-public-v1","_id":"3808838","_score":15.725656,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/2020 I subscribed to the XXXX XXXX service. In XXXX I learned that I wasn't receiving all of the benefits of XXXX XXXX that everyone else was able to. I could not access XXXX on my phone app. I tried to resolve this with XXXX but they didn't resolve the issue they cause. On XX/XX/XXXX, I submit a dispute against the the XXXX charge of {$120.00} for half or {$63.00}. If I'm only getting half the use out of the service, I should only pay half. After Chase notified XXXX of the dispute, XXXX canceled my entire subscription. I learned of this cancellation on XX/XX/XXXX. On XX/XX/XXXX, I sent Chase a secure message to get an address to mail in additional information about the dispute because I needed it updated to a full dispute instead of the half dispute that I originally requested. I attached the documentation supporting this update. I was told I would get an update on this. \nSince that time my dispute has not be updated for the full amount. I am still only getting the temporary credit for the half dispute. I have attempted to contact Chase multiple times and have not got a response to the issue. Chase has claimed their employees are overworked and there is too much work for Chase to handle in a responsible time to get responses to customers. Because I don't want this to get lost in all of the work and high volume that Chase claims that they have, I felt it was best to file a complaint so that I know it will get addressed. I feel like I should just go though CFPB on all of my corespondents with Chase because they seem to play the high volume card all the time. And for my security and not wanting my corespondent to get lost or missed in the high volume, it would probably be best to make sure there is a record of everything with an organization like CFPB.","date_sent_to_company":"2020-08-22T14:45:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"55128","tags":null,"has_narrative":true,"complaint_id":"3808838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-08-22T14:28:14.000Z","state":"MN","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I <em>have</em> attempted to contact <em>Chase</em> multiple times and <em>have</em> not got a response to the issue. <em>Chase</em> has claimed their employees are overworked and there is too much work for <em>Chase</em> to handle in a responsible time to get responses to customers. Because I don't want this to get lost in all of the work and high volume that <em>Chase</em> claims that they <em>have</em>, I felt it was best to file a complaint so that I know it will get addressed."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.725656,"3808838"]},{"_index":"complaint-public-v1","_id":"1518325","_score":15.530981,"_source":{"product":"Mortgage","complaint_what_happened":"I have a Loan second Loan with chase bank andI have a Insurance policy XXXX XXXX XXXX XXXX including XXXX Full and Partial ) Bronze Package with Chases Since XXXX with a face value of $ XXXX Which originated from Chase in XXXX/XXXX/XXXX and was removed automatic from my mortgage account as optional insurance {$6.00} per month on my monthly statements since XXXX/XXXX/XXXX today XXXX XXXX XXXX is still being paid for the Policy. XXXX Policy Holder is name is Chase for Face value {$33.00}. balance on the account is {$16.00}. \nOringinally with XXXX Bank XXXX than Purchased by Chase Bank some XXXX/XXXX/XXXX There are two year of payments missing not posted to this account, between ( XXXX through the first payment of XXXX/XXXX/XXXX ofn Chase Bank Schedule of payments. \nIn XXXX, I was ask to purchased to purchased this policy by Chase Bank and never asked for a medical exam, medical records to forward. I raised may concerns regarding the policy, I was informed, the mortgage would be covered if you became XXXX and or pass. \nIn XXXX XXXX, XXXX, I was informed By the XXXX, I was decleared XXXX. I did nothing wrong, I did not purchase this policy when I was XXXX. I am not a mid - reader, Social Security could have told me that no. XXXX XXXX XXXX did not ask for medical records, medical exam. I was in two additional XXXX XXXX, XXXX, which never taken into consideration. My doctors have supplied more than enough medical evidence to support this XXXX. XXXX XXXX XXXX policy is vague there a 90 day waiting period. due to the fact that social security has such a long period of waiting time and pro rate this is not my issue, Chase and XXXX XXXX XXXX are responsible for the payout for the XXXX policy. At the time I was not decleared XXXX by Social Security in XXXX this policy stand good through form XXXX/XXXX/XXXX to date regarding the total XXXX. \nAt one point XXXX Chase Bank was starting foreclose proceedings, knowing I had this insurance policy in place and never called me to use it for coverage XXXX partial XXXX ). I had to borrow the monies and hire an attorney to deal with in order not to lose my home. Chase bank was well aware of the insurance policy it was in my monthly insurance statement. Chase Bank never recommended the XXXX policy to me. I never thouth of it. It was not until XXXX XXXX Chase sent me a letter stating chase would stop removing the XXXX and partial and Life Policy did I remember this policy, so I called, It been nothig but a hassle, scam, and XXXX XXXX XXXX I was not covered at the time, Chase Bank they have nothing to do with it. Chase Bank Signed me up with XXXX XXXX XXXX and Chase Bank is just as responsible. I hae been paying a 7.4 % interest rate to high due to the XXXX. Chase has been make a fool of me since XXXX/XXXX/XXXX. and XXXX people with the selling of these insurance policies and XXXX XXXX XXXX along with them. there is not reason I should be still trying to get this paid after 2.5 years and they are terms and agreement they will not follow. No bank should be a vacuum to XXXX people. I sure ther are law that are in place for such this Insurance companies and banks. this Bank and insurance company feel they do not have to comply. I beg to differ. Chase XXXX XXXX XXXX XXXX have sucked the life out of me and I have suffer enough damage and emotional distress over this. I have any an all documents you may need.","date_sent_to_company":"2015-08-13T22:40:38.000Z","issue":"Settlement process and costs","sub_product":"Conventional fixed mortgage","zip_code":"024XX","tags":null,"has_narrative":true,"complaint_id":"1518325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-08-13T22:40:38.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am not a mid - reader, Social <em>Security</em> could <em>have</em> told me that no. XXXX XXXX XXXX did not ask for medical records, medical exam. I was in two additional XXXX XXXX, XXXX, which never taken into consideration. My doctors <em>have</em> supplied more than enough medical evidence to <em>support</em> this XXXX."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.530981,"1518325"]},{"_index":"complaint-public-v1","_id":"7148324","_score":15.517484,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to dispute any responsibility for the fraudulent activity that occurred on my Chase Bank account. I recently discovered unauthorized transactions on my account, and it is imperative to clarify that I have taken appropriate measures to safeguard my account information and have not engaged in any fraudulent activities. I believe this incident is a result of a security breach or unauthorized access to my account. \nI have consistently maintained secure practices to protect my account information, including safeguarding my account credentials, utilizing unique and robust passwords, and regularly monitoring my account activity. Therefore, any unauthorized transactions are a clear indication of an external breach. Upon reviewing my account statements, I noticed several transactions that I did not initiate or authorize. As soon as I identified the fraudulent activity, I promptly contacted Chase Bank 's customer support to report the unauthorized transactions and initiate the necessary actions to secure my account. This demonstrates my commitment to resolving the issue and minimizing any potential damages. I am fully prepared to cooperate with Chase Bank 's investigation by providing any additional information, supporting documentation, or evidence that may assist in identifying the fraudulent activity and ensuring a swift resolution. Based on the aforementioned circumstances, I firmly believe that I should not be held liable for the fraudulent transactions on my account. As a trusted banking institution, I expect Chase Bank to thoroughly investigate this matter and take appropriate measures to rectify the situation promptly. I kindly request that you keep me informed throughout the investigation process and provide regular updates on the status of my complaint. I appreciate your immediate attention to this matter, as it is crucial to resolve this issue and restore the integrity of my account. I have always been a satisfied customer of Chase Bank and trust that you will handle this case with the utmost professionalism and commitment to customer satisfaction.","date_sent_to_company":"2023-06-21T22:21:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07675","tags":null,"has_narrative":true,"complaint_id":"7148324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-06-21T22:12:14.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am writing to dispute any responsibility for the fraudulent activity that occurred on my <em>Chase</em> Bank account. I recently discovered unauthorized transactions on my account, and it is imperative to clarify that I <em>have</em> taken appropriate measures to safeguard my account information and <em>have</em> not engaged in any fraudulent activities. I believe this incident is a result of a <em>security</em> breach or unauthorized access to my account."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.517484,"7148324"]},{"_index":"complaint-public-v1","_id":"1531497","_score":15.197585,"_source":{"product":"Bank account or service","complaint_what_happened":"This is my second complaint against Chase Bank XXXX ; Since XXXX XXXX, Chase Bank .. JP Morgan decided to place a pending closure on my checking account without any valid reason or any statement given or mailed to me. After long hours of phone calls and numerous stop in at a Chase local branch and all promises of security from Chase representative the checking account was still on pending closure. Bills were drafted on this checking account, all were returned with fees and penalty. Best of all Chase Bank place a freeze to access my funds. I am not rich, what i have is what i use to support me and my family, I explained this numerous times, days, hours even beg the XXXX Chase Bank Manager but no explanation why. I do not owe Chase anything I paid my overdraft fees. Chase Bank do not care ... They promise a check will be sent in 10 days after account closure .. Its XXXX XXXX, a check was received via XXXX but the amount is not even close to what i have on that account. This check does not even cover phone bills with penalty. Call Chase again and said a XXXX check was cut and should be receive in 3 days from XXXX XXXX. Again called Chase Bank asking information if we can track my check but sadly Chase responded I AM SORRY CHECK COULD BE LOST, PLEASE CALL US BACK ON MONDAY TO CONFIRM XXXX CHECK IS LOST AND WE WILL CUT A NEW THAT WILL TAKE ANOTHER 10 DAYS. IS THIS A GAME? THIS IS AWFUL. ITS ALMOST A MONTH, ONLY A HANDFUL OF PEOPLE LET ME BORROW AND AT OF ALL THIS I HAVE TO LATE FEE ON ALL BILLS, DONT KNOW WHAT LAW PROTECTS US FROM THIS KIND OF ACTIONS FROM A FINANCIAL BANK, MY UNDERSTANDING BANKS ARE THERE TO PROTECT AND OFFER SERVICES BUT INSTEAD, SADLY I CAN NOT DO ANYTHING BUT WAIT ...","date_sent_to_company":"2015-08-22T20:37:07.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"06902","tags":null,"has_narrative":true,"complaint_id":"1531497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-08-22T20:37:06.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Best of all <em>Chase</em> Bank place a freeze to access my funds. I am not rich, what i <em>have</em> is what i use to <em>support</em> me and my family, I explained this numerous times, days, hours even beg the XXXX <em>Chase</em> Bank Manager but no explanation why. I do not owe <em>Chase</em> anything I paid my overdraft fees. <em>Chase</em> Bank do not care ... They promise a check will be sent in 10 days after account closure .. Its XXXX XXXX, a check was received via XXXX but the amount is not even close to what i <em>have</em> on that account."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.197585,"1531497"]},{"_index":"complaint-public-v1","_id":"14578943","_score":15.132179,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, {$1400.00} was removed from my account via XXXX XXXX after I was targeted by a scammer impersonating Chase Bank. The transaction was made with a single tapand within seconds, the funds were gone. I received no verification prompt. No security text. No confirmation call. Nothing. \n\nIt is alarming and irresponsible that any financial app is allowed to move over {$1000.00} with one click, without any secondary authenticationespecially given the volume of fraud occurring today. A transfer of this size should have been automatically flagged or held.\n\nEven worse : I contacted Chase Fraud support within seven minutes of the transaction, and made three phone calls to their fraud department within one hour of the incident occurringwhile the payment was still marked as pending. They could have reversed it, flagged it, or paused it, but they chose not to. Their inaction is directly responsible for the money being lost. Whats infuriating is that Chase Bank routinely blocks and flags charges that I try to make with that account even when trying to pay or transfer funds the exact same way that it wouldve been through cash app. So I find it confusing that multiple times Ive had funds blocked for under {$100.00} but then a {$1400.00} fund does not get flagged or blocked at all?","date_sent_to_company":"2025-07-10T11:26:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60610","tags":null,"has_narrative":true,"complaint_id":"14578943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-10T11:09:59.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["A transfer of this size <em>should</em> <em>have</em> been automatically flagged or held.\n\nEven worse : I contacted <em>Chase</em> Fraud <em>support</em> within seven minutes of the transaction, and made three phone calls to their fraud department within one hour of the incident occurringwhile the payment was still marked as pending. They could <em>have</em> reversed it, flagged it, or paused it, but they chose not to. Their inaction is directly responsible for the money being lost."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.132179,"14578943"]},{"_index":"complaint-public-v1","_id":"10334545","_score":14.981249,"_source":{"product":"Checking or savings account","complaint_what_happened":"My XXXX and one of my phones was stolen from my gym locker. On XX/XX/XXXX this person got access to my devices and my XXXX XXXX account and had sent one of my XXXX XXXX contacts $ XXXXThe individual they sent it to had sent it back thinking it was a mistake. Before I realized what was happening and could secure my account this person withdrew the money immediately onto a card or bank account which stated on XXXX XXXX as a XXXX XXXX  transfer. If XXXX XXXX did proper investigation they should be able to discover that this bank account or card that the money was withdrawn too does not belong to me. I knew this transaction happened right away due to seeing the text message of fraud from chase on my personal phone. I called the bank right away informing them that someone had been on my XXXX XXXX  due to my devices being stolen, and disputed the transaction with XXXX and the bank. On XX/XX/year> the claim was denied by Chase. On XXXX a chase representative stated to me that due to XXXX XXXX providing supporting evidence that the money was sent on MY ACCOUNT that it was authorized and benefited me, the representative also stated that I should have better security on my devices and should not share my passwords with anyone. This was quite offending considering my devices being stolen is out of my control and losing {$2200.00} is hard enough. Also, i have never shared my passwords with anyone or allowed anyone to use any of my accounts. \nThis has never happened to me before and I have been a long term customer of Chase so it is unfortunate that they would deny my claim not knowing the whole story or allowing me to provide this evidence. Due to this I have been highly considering closing my banking with them if they can not provide a solution. \n\nA similar case happened with XXXX as well and they were able to resolve the dispute due to the unauthorized charges. Will attach pictures below of outcome.","date_sent_to_company":"2024-10-03T06:58:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"53220","tags":null,"has_narrative":true,"complaint_id":"10334545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-03T06:32:03.000Z","state":"WI","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XXXX a <em>chase</em> representative stated to me that due to XXXX XXXX providing <em>supporting</em> evidence that the money was sent on MY ACCOUNT that it was authorized and benefited me, the representative also stated that I <em>should</em> <em>have</em> better <em>security</em> on my devices and <em>should</em> not share my passwords with anyone. This was quite offending considering my devices being stolen is out of my control and losing {$2200.00} is hard enough."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[14.981249,"10334545"]},{"_index":"complaint-public-v1","_id":"10519620","_score":14.979904,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I received two letters from Chase Bank notifying me that my accounts ( savings, checking, and credit card ) would be closed. The letters contained a vague, false statement accusing me of inappropriate conduct with our employees. I have reason to believe that my personal information has been compromised and that someone is attempting to impersonate me with malicious intent. There is no basis for the accusations made against me. Despite raising these concerns, Chase has failed to provide any evidence or information to support their claims. This false and defamatory accusation has caused significant emotional distress and damage to my reputation. \nSince receiving the letters, I have contacted Chases customer support for assistance. Unfortunately, all Ive encountered is a constant runaround. Representatives repeatedly transfer me from one department to another without offering any answers. Ive been told that this decision was made by the back office and its final. \n\nOn XX/XX/year>, I scheduled an appointment at the XXXX XXXX XXXX branch in XXXX XXXX with Chase representative XXXX XXXX, hoping to resolve the issue in person. However, on the day of my appointment, I received a call from XXXX stating that there was nothing she or anyone at the branch could do, as the decision to close my accounts was final. She advised me to cancel my appointment, which felt unfair, as I was not given the chance to speak or defend myself. She further explained that, just as I could close my accounts with Chase without a reason, Chase could do the same without any reason. I decided to go to a different Chase Branch in XXXX XXXX ( located at XXXX XXXX XXXX ) in hopes of resolving my concerns. However, that visit only escalated the situation. I showed the letters to XXXX XXXX XXXX, the Associate Banker. She then presented them to her supervisor, the Lead Associate of Operations, XXXX XXXX. XXXX approached me in a defensive and dismissive manner, rudely asserting that the reason is in the letter and refusing to allow me to explain or defend myself. I requested to speak with someone in a higher position, but XXXX informed me that the manager on duty, XXXX XXXX XXXX, is new and lacks the experience to handle such matters. What was more concerning was that when XXXX returned the second time, I noticed a security guard who had not been there earlier. The security guard was positioned facing me as if I were a potential threat, despite being a concerned customer simply asking legitimate questions in search of answers. I had done nothing to provoke this situation, which made me feel unfairly targeted and criminalized. It is clear that the false accusation in Chase Banks letter, accusing me of inappropriate conduct with our employees, led to discriminatory treatment at both branches. The presence of security further added to my humiliation, making me feel singled out due to a false accusation and by my appearance. \n\nI am left questioning how to defend myself against this serious false accusation. Chase 's lack of communication and transparency makes it impossible to start that process. Their refusal to share any evidence and allow me to clear my name is unethical and distressing. This situation that Chase has placed me in has caused me significant emotional distress and XXXX. I am afraid that this false accusation from Chase Bank will follow me for the rest of my life. I am being wrongfully accused, and I want these accusations removed, and those responsible for making them should be held accountable. \n\nThe fact that I was not given the chance to defend myself before a decision with such severe consequences was made is concerning. This unfair practice by a major financial institution has left me financially vulnerable, particularly as I have depended on Chase for both my personal and business banking for years. \n\nIf my concerns are not adequately addressed, I am considering legal action.","date_sent_to_company":"2024-10-22T02:45:07.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"92551","tags":null,"has_narrative":true,"complaint_id":"10519620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-22T02:19:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Despite raising these concerns, <em>Chase</em> has failed to provide any evidence or information to <em>support</em> their claims. This false and defamatory accusation has caused significant emotional distress and damage to my reputation. \nSince receiving the letters, I <em>have</em> contacted <em>Chases</em> customer <em>support</em> for assistance. Unfortunately, all Ive encountered is a constant runaround. Representatives repeatedly transfer me from one department to another without offering any answers."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[14.979904,"10519620"]},{"_index":"complaint-public-v1","_id":"14065890","_score":14.962748,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I received an unexpected email notification that a replacement debit card had been requested and would be mailed to my address. I never requested this replacement card, and the original card had never been used and was securely stored at home. \nOn XX/XX/year>, the newly issued card was intercepted from my mail, activated without proper verification, and used to make unauthorized cash withdrawals totaling {$2100.00} at a Chase Bank branch. One transaction was conducted in-person at the teller window, indicating the perpetrator presented identification to bank staff.\n\nChase Bank 's Inadequate Response : I immediately contacted Chase to report the fraud on XX/XX/year>. Despite clear evidence of mail theft and unauthorized card activation, Chase initially deemed these fraudulent transactions as VALID, forcing me to take additional steps to re-open my fraud claims multiple times. \n\nDelayed and Insufficient Communication : Chase has provided inconsistent and delayed correspondence throughout this process. When I requested critical information including surveillance footage from their branch ( which could help identify the perpetrator ), Chase has been unresponsive and unwilling to cooperate with what should be a straightforward fraud investigation.\n\nLack of Customer Care and Good Will : Despite the clear security failures in their card issuance and activation process, Chase has refused to provide any good will gesture to rectify my experience. This is particularly concerning given that other victims of similar fraud incidents have reportedly received Chase Preferred Points or other compensation for comparable situations.\n\nOngoing Impact : This incident forced me to freeze my credit with all three bureaus, file reports with the FTC and local police, and take extensive protective measures. The lack of proper investigation and customer support from Chase has compounded the stress and financial impact of this identity theft incident. \n\nChase 's response has been inadequate, dismissive, and inconsistent with how they have reportedly handled similar fraud cases for other customers.","date_sent_to_company":"2025-06-13T18:06:11.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"123XX","tags":null,"has_narrative":true,"complaint_id":"14065890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-13T17:47:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["When I requested critical information including surveillance footage from their branch ( which could help identify the perpetrator ), <em>Chase</em> has been unresponsive and unwilling to cooperate with what <em>should</em> be a straightforward fraud investigation.\n\nLack of Customer Care and Good Will : Despite the clear <em>security</em> failures in their card issuance and activation process, <em>Chase</em> has refused to provide any good will gesture to rectify my experience."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[14.962748,"14065890"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":155,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":155}]}},"product":{"doc_count":155,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":56,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":50},{"key":"Other banking product or service","doc_count":4},{"key":"Savings account","doc_count":2}]}},{"key":"Credit card or prepaid 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