Date Received: 2024-01-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX i responded to an email from Chase Bank for a new Checking account with bonus. I completed the process satisfactory. The next day i received an email from Chase Bank telling me that couldn't open a new Checking account for me and i have to go to one of their branches for Verification. On XX/XX/XX/XX/2023i went to one of Chase 's branch in XXXX. Their employees were Rude and Unprofessional for having me wait for long time and for their Bad attitude. Finally they couldn't give me any explanation of why they Refused to open a Checking account for me. This is another proof that Chase Bank is a Racist and Criminal Company Discriminating as for whom are going to open an account plus they are Defrauding customers in many ways.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am writing to file a formal complaint with the Consumer Protection Agency regarding a denied chargeback from Chase Bank. The incident in question occurred on XX/XX/2023, with a transaction involving XXXX with a posting date of the same day, and an amount of {$150.00}. The issue arose when the company XXXX XXXX failed to provide the expected car rental service, leaving me stranded without a vehicle. To cope with the situation, I had to resort to renting a car from another company, incurring additional transportation expenses to reach an alternative rental agency. Upon contacting Chase Bank to correct the incorrectly denied chargeback for the transaction, the representative was unhelpful and, instead of addressing the issue adequately, offered a mere {$100.00} credit. This resolution is inadequate given the circumstances, as it neither covers the full expense incurred nor addresses the inconvenience and distress caused by XXXX XXXX failure to fulfill their service.
Company Response:
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to file a formal complaint against JPMCB regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On XX/XX/2023, I notified JPMCB that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that JPMCB has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that JPMCB complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by JPMCB. Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have called on XXXX separate occasions to close my checking account with Chase bank. The first time they sent a letter saying there was an incoming transaction so they could not close my account. I waited a week and no transaction was incoming. I called and asked for my account to be closed and as of XX/XX/24 my account is still not closed. I am being charge fees for the account being open and want the account closed so I don't have to pay anymore fees.
Company Response:
State: MI
Zip: 48842
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Please see the attached XXXX for the initial complaint and current status with the XXXX. Chase has opted to not provide any digital responses and only mailed me a letter after I refused to acknowledge their broken voicemail as a valid response. The letter is attached as Chase_ResponseXXXX " Consumers Original Complaint : I started a XXXX payment plan for {$17000.00} on XXXX XXXX XXXX with a payment of XXXX XXXX. Chase applied payments to the balance of the XXXX payment plan in a manner which benefited Chase and harmed the customer. The balance of my XXXX payment plan was reduced to {$7100.00} by XXXX when it should have been {$15000.00}. I was then charged {$260.00} interest the following month after Chase accepted the equivalent of almost XXXX months of advanced payments with no benefit to me as the customer. Additionally, Chase refuses to provide a breakdown of how payments are applied to the payment plan vs monthly charges. I would like Chase to honor the original terms of the plan and adjust the balance correctly. Consumers Desired Resolution : Billing Adjustment "
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX : I received a call from Chase Fraud Services that notified my Chase Card had been closed incorrectly. The reasoning was that someone called in stating a card came in ( my card ) was opened incorrectly under their account. Chase then disabled my card without confirming my identity or notifying me prior. I was only called to be told they made a mistake and I needed to take actions to reopen my card. The Fraud Team then sent me to the Recovery team where I was asked to send documentation to XXXX. I completed the step by sending over my ID. XX/XX/XXXX : At this point, I started recording a few of my calls and called back with questions since I was shocked the previous day. The Fraud Department then transfers me over to the Recovery Team which has not been very helpful. I requested Fraud Department Complaint ID : XXXX and was never updated on how this issue would be fixed or resolved. Regarding my card 's reinstatement, I was told I'd get a call back within a few days as a followup and never did. After the new year started, I gave them over a week before I followed up. XX/XX/XXXX : I gave another call but did not write down my notes as they told me the process can take 2-3 weeks and to give them a call back by XX/XX/XXXX if there's been no changes. XXXX : Before XX/XX/XXXX, I wanted to confirm my request has made some progress but it was still on hold " In Review '' and now it can take 30-60 days. I requested to get added onto the email chain to get my account escalated but was told I am unable to since it's an internal tool. XX/XX/XXXX : I recalled and now the review can take up to 90 days .... and no one from the Recovery department can help me contact the person reviewing my case. This has been a frustrating process as my account was closed incorrectly and I really want access to my points that were on the card ( XXXX ) .... I have attached the recording from XX/XX/XXXX to this report. Thank you to the person who reviews this.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was fraudulently charged 4 times on XX/XX/XXXX. The charges were for {$2500.00}, {$500.00}, {$200.00}, and another {$200.00}. I have not lost my debit card or personal belongings, nobody other than me should have access to my account, so this money should never left my account, nor was it me. I made a fraud claim on XX/XX/XXXX because I had noticed the money left my savings account, I didn't receive a single notification of any form notifying me of these withdrawals. After speaking with the most difficult customer service people I could have ever imagined, I was able to make that claim. Over a week later, which I understand due to the holidays, I noticed that my temporary credit for the {$500.00}, {$200.00}, and {$200.00} charges had been reversed. Since Chase had not given me any updates of any sort on my claim, not even an email, I called the impossible customer service department again. In this call I was told that the transaction was made using my card, chip, and pin so they decided this withdrawal must have been me and there is nothing further they can do for me. At this point, I went into my branch the next day and spoke to two staff members, one being the branch manager, and the best they could do was put in a request to reopen the claim for further investigation. Through this whole process the phone customer service has been extremely demeaning and the utmost confusing ( even branch workers agreed with my complaints ), and I have had no avail to this situation other than hoping that the {$2500.00} charge doesn't get reversed as well.
Company Response:
State: IL
Zip: 60002
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up to receive a credit card from Chase for XXXX XXXX. I paid the {$5000.00} to receive the sign-up bonus within the first two weeks of having the card. They said that they would transfer the points on the first billing statement. It was XX/XX/XXXX. On XX/XX/XXXX chase stated they sent the points to XXXX XXXX. XXXX XXXX says they never received the transfer and can not help me. I called Chase various times and they refused to help me with receiving the points that they promised to provide.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Tuesday XX/XX/XXXX {$5000.00} was deposited in my account in certified funds which were United States Postal Money Orders. Chase put a hold on these funds after the deposit was made therefore preventing the deposit to be returned. The bank against their own policy when it pertains to certified funds put a 7 day hold on my funds which were paid to the bank on XX/XX/XXXX. Which the United States Post Office provided me proof of! Furthermore the bank even verified the funds and refused to remove the hold causing me to have to cancel a very important trip.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited a treasury warrant from the state of Texas into my Chase Bank account. The bank confirmed that these funds have been verified and paid. They did not release the standard amounts the first day or the second day. I have asked why they are holding the verified funds and they will not give an answer.
Company Response:
State: CA
Zip: 95969
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A