• Report: #794418

Complaint Review: JP Morgan Chase

  • Submitted: Wed, November 02, 2011
  • Updated: Wed, November 02, 2011

  • Reported By: Nancy — Dublin Ohio United States of America
JP Morgan Chase
Internet United States of America

JP Morgan Chase Refusal to reverse unauthorized transaction and fees Internet

*Consumer Comment: You worked for them?

*Consumer Comment: What is the issue?

*Consumer Comment: What did Sprint say the "unauthorized fee" was for?

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I found an unauthorized charge on my account.  I contacted Chase they told me to contact Sprint the service provider to reverse the charge. 

I contacted Sprint they told me no way they would have done that even if I was dead and my grandbabies tried to use that account to pay bills.  They refused to reverse the charge.

I called Chase back, told them exactly what was said and a Brian Harrison asked me if I showed them the transaction.  I did and talked with Sprint via phone with no resolution.  Told them I work out of town all the time and am seldom home to fix issues such as this one.

Brian said they would have to close my card and  my account to correct the situation.  That is a bunch of bull.  If they do that I am stranded here with no money!  I told him thank you for my time I see you do not want to help me, have a good day.

 It isn't the first time Chase has allowed an unauthorized charge on my account.  The last time, they reversed the charge and went to the merchant for the monies without an issue.  This time because they are in so much financial trouble with the government on the Madoff case they are trying to do all they can to 'retain' revenue.

Well I am tired of them ripping me off for such foolishness.  You would be amazed at the service fees, etc.  I have return fees for $2.14 transactions, a $6 transaction and a few with similar situations.  They tell you that ATM transactions are not done if the monies are not there and they would not charge a fee.  I have fees for that too!  My son shares this account and is in school.  Occassionally he uses the card thus the small fees.  When I worked for them there was a memo by their CFO stating there would not be fees for these things and there are. 

This is just the last straw!  Too many issues with Chase who we all know is not as reputable a bank as they let on to be. 

This report was posted on Ripoff Report on 11/02/2011 11:19 AM and is a permanent record located here: http://www.ripoffreport.com/r/JP-Morgan-Chase/internet/JP-Morgan-Chase-Refusal-to-reverse-unauthorized-transaction-and-fees-Internet-794418. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

You worked for them?

AUTHOR: Flynrider - (USA)

  I'm having a hard time believing that.    You're post shows a lack of knowledge of some very basic banking concepts. 

"Brian said they would have to close my card and  my account to correct the situation.  "

   You reported unathorized activity on the account.   What's the first thing that any bank does when you report unauthoized access?   This is commonplace.  They certainly can't keep paying you back for unauthorized transactions on an account that has been compromised unless they take measures to stop the unauthorized access.    What do you want them to do, let the unauthorized activity continue?  Apparently, that is what you want to do.     Kinda makes me wonder how "unauthorized" that activity was.   Most people would be alarmed if their account was compromised.

This time because they are in so much financial trouble with the government on the Madoff case they are trying to do all they can to 'retain' revenue. "

     What sort of financial trouble relates to Madoff?  If you're referring to that laughable suit by the trustee, no financial institution (or judge, for that matter) takes him seriously.  You need to come up with a better theory.

    I've got a theory about you, but i'll be polite and refrain from posting it.


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#2 Consumer Comment

What is the issue?

AUTHOR: Robert - (U.S.A.)

Your report is really all over the board it is hard to tell exactly what your complaint is.

I contacted Sprint they told me no way they would have done that even if I was dead and my grandbabies tried to use that account to pay bills.  They refused to reverse the charge.
- So do you have an account with Sprint?  Does your son have an account with Sprint?  What did they say these charges are for?

Brian said they would have to close my card and  my account to correct the situation.  That is a bunch of bull.
- Offering a resolution that you don't like is not a RipOff.  What exactly did you want them to do?

  My son shares this account and is in school.  Occassionally he uses the card thus the small fees.
- I think we may have hit the true issue.  My guess is that your son is probably more of the cause of the Sprint charges than you wanted him to spend.  Unfortunately since you gave him access to the card Sprint or Chase won't reverse them.

When I worked for them there was a memo by their CFO stating there would not be fees for these things and there are. 
- Again what fees?  There were regulations put into place that for Debit Card Purchases and ATM Withdraws if you don't have enough money available at that time the card will be declined.  However, that does not apply to ACH Transactions or Checks.  You can also "opt-in" to their standard overdraft protection that will allow the Debit Card or ATM purchases go through, and they will charge you an NSF or Overdraft fee.
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#3 Consumer Comment

What did Sprint say the "unauthorized fee" was for?

AUTHOR: Ken - (USA)

"It isn't the first time Chase has allowed an unauthorized charge on my account."

How does Chase know the charge is "unauthorized?"

Why do these keep happening to you?



Sounds like you really don't have a clue what's going on with your account.



Until you have an accurate check register and keep others from using your account, you will have these problems wherever you bank.



"When I worked for them there was a memo by their CFO stating there would not be fees for these things and there are."



Was that a perk of your job when you worked for them?



How long ago was that?



You do know that the banks can change the terms of their accounts at any time.  You gave them that authorization when you opened the account(s).



In summary, Nancy, it looks like YOU are the problem.

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