Date Received: 2023-12-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Florida, XX/XX/2023. Earlier this year, ( XXXX ) I received a letter in the mail from my XXXX XXXX XXXX XXXX XXXX XXXX ) notifying me that the funds available would be invested if I did not withdraw them. I requested a withdrawal from my account ( Plan Number XXXX ) and authorized an electronic bank transfer to my XXXX XXXX XXXX Account ending in XXXX, on XX/XX/2023. I was told by the XXXX XXXX XXXX customer service associate the direct deposit should appear in my XXXX XXXX Account within 3 business days. After the three days period time passed, I call XXXX XXXX asking why I did not see the funds from XXXX, the associate over the phone from XXXX XXXX informed me they did not received any electronic transfer from XXXX. Immediately, I called XXXX and the representative over the phone confirmed an error had occur and the direct deposit had not gone through. I was advised to request a check instead delivered by mail, so I did. Once I received the check I decided to deposit it in Chase Bank instead of XXXX XXXX, given the prior situation were they rejected the electronic transfer from XXXX as I was informed by the XXXX representative. I deposited the check using my Chase Bank mobile app on XX/XX/2023 in account ending in XXXX. Two days after I deposited the check in CHASE I noticed on my Chase Bank app the check inn question was put on hold, so I decided to call customer services to ask the reason and provide any information needed to lift the hold on the deposit. When I called the customer service representative ask were the check was coming from and I explained him it was rom my retirement account. I explained him what had happened when I tried to deposit it by direct deposit with XXXX XXXX and because it had been rejected I was advised to request a check instead by XXXX. The banker misunderstood what I was explained him and started telling me that depositing a check in two different banks was fraud and I could face my account with XXXX too be closed, I tried to explained him that the check was never deposited twice. he transferred then call to a different department and did not allow me to explained him, the representative was rude and had an attitude because he thought I was trying to deposit the check in two different banks. Once, the call was transferred I requested to the transaction to be canceled by being told it was fraud was I had done. I was then told by the new banker on the line that the transaction could not be canceled. Next day XX/XX/2023 I received an email from XXXX stating : " to protect against potential fraud, we restricted your account and may close it soon '' I immediately called Chase Bank and I was told they needed to confirm the check with he company and that i did not cash it out in any other financial institution. I was told to request a Bank Statement from XXXX XXXX to demonstrate the funds were never deposited in XXXX XXXX Bank. I went to a XXXX XXXX branch I asked the banker to print a statement from my account showing the funds were never deposited in my account. As requested by bankers in Chase, I went to a Chase Bank branch and sat with a banker to whom I explained all this unfortunate and frustrating situation, he called a particular department that asks him to scan and submit documents showing the funds were never deposited in XXXX XXXX bank, so the banker sent everything he was asked by phone and I was told by the banker and the banker on the phone it was clear I did not deposit the check in different banks and they only needed to confirm the check with XXXX and the issue would be solved. I waited 48 hours as I was told, once I called I was notified by Chase bank banker my account was going to be permanently closed because they could not verify the authenticity of the check I received from XXXX. I was shocked how was possible the main bank in XXXX could not verify a check from a major company like XXXX. I told the banker I had all then letters from XXXX and the phone numbers if they wanted me to provide them with it, so they could verify the check and Chase Bank bankers informed me they could not call any phone number that did not appear in their data base, and check verification at a local branch was not an option either. I called several times and spoke with different bankers in an attempt to provide any information help to verify the check and was told every single time by Chase Bank Bankers in their data base they did not find any company to call to verify my check, again XXXX company. I find completely illegal by Chase bank to close my account when I demonstrated I did not commit any fraud. it is impossible they do not have a phone number to call XXXX. After my account was permanently closed I called XXXX again and I was informed the funds were collected and deposited in Chase Bank. So, basically could not " verify '' the check but it did collect the funds ( {$1000.00} ). It is outrageous a financial institution such as Chase Bank closes accounts from their clients with a perfect record of payments in time and good financial history, motivated by clients ' political beliefs or ideas.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
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: Good day, Unfortunately we had an unexpected death in our family and had to travel for the funeral, being that my family member had no life insurance my mother had to come up with the unexpected expenses for the funeral as a way of trying to aide her and take a bit of the burden off her my sister and I came up with an idea of both booking hotel rooms where we each would accommodate her for 2 nights each. I was traveling from the XXXX to the XXXX of XXXX of XXXX so I booked a room at the XXXX XXXX hotel in runaway through XXXX for 2 persons from the XXXX the XXXX then I changed the number of occupancy and booked another room from the XXXX which is when my mother would have been joining me in my room but right after I completed the booking and received the itinerary I noticed it said 2 adults. I immediately contacted XXXX line and the rep told me that she wasn't able to correct it but she would request the change through upper management. I then a few days later received an email from XXXX claiming that they request a refund for me but was unsuccessful, I responded to them that I was not requesting a refund as I do need the place to stay all I needed was for them to modify the reservation and put the correct amount of occupant. XXXX responded by stating that they already responded to my request and eventhough I tried getting through to them that what they were trying to do was not what I requested they just basically blew me off. After multiple phone calls as my trip was coming close I tried reaching out to the hotel via email but received no response I again contacted XXXX and all I was suggested to do was to wait until I got there to see what the hotel would have done for me. I then reached out to chase to inform them of the situation and to see what my options were at that point and the rep told me that unfortunately there was nothing they could do since the charges was still pending i had to wait until the item was posted and so I had no choice but keep trying to get the situation sorted out before I traveled but I had no luck, my last resort was to see my option at checkin. Upon my check-in for the first reservation which was the XXXX I informed guest services of the issues I faced with the upcoming reservation I had from the XXXX and they got me connected to customer service that informed me that unfortunately they do not make changes at customers request if the reservation was made by a third party apparently only the 3rd party can make the changes. I informed them of the issues I faced with the 3rd party including them claiming on multiple occasions that they were unable to reach the hotel. The reservation agent claim that my only option would have been to booked a reservation for my mom but I would have to pay walkin prices, they even claim that if they were able to add her at that point it would have been walkin price and the walkin price was so high it would have been the same amount as booking my mom her own room which was money I did not have hence why I opted into putting her in my room to begin with. I did not have the money they wanted me to pay so I had to check out of the hotel on the XXXX when my first reservation ended and got a cheap airb and b to accommodate my mom. I have expressed and explained this situation to both XXXX and chase but they have been so unsympathetic that they have not tried to assist me in anyway. I really do not have {$350.00} to throw away because had I had it I would have gladly paid for a room for my mother and I would not have to be going through this. When I selected the room I was booing I put XXXX adults in the search bar and continued from there the room I selected claimed it came with a king size bed and a twin bed I believe and it sleeps up to 4 people. Knowing that the bed layout fit the purpose I needed I continued the booking only for the itinerary to say something completely different. Apparently this is something that XXXX has been doing on their website the number of persons you placed in the search bar for occupancy is not what they complete your booking with and then they do nothing to help you. To my understanding when I was booking their nonrefundable policy is based on the hotels non refundable policy they even advise that you check out the hotels policy prior to booking and I did and according to XXXX XXXX they allow you 78 hrs to make changes to your reservation yet I contacted XXXX within the min of getting my itinerary after booking but they did nothing to help me. I am asking you to please help me because XXXX knows I can not afford to loose {$350.00} especially with all the bills I have and my husband currently out of a job. I have tried everything possible to make them see reasons but they are just cold and have zero customer service and no empathy at all. I am hoping you will be able to assist me in resolving this issue. Sincerely XXXX XXXX
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I'm a XXXX XXXX and I started using XXXX ( WePay ) to bill my clients in 2023. The first payments happened normally, but I noticed that my third and fourth invoice sent at the beginning of XXXX, despite being marked as paid, never entered my account. XX/XX/2023 : I opened a ticket with XXXX support to understand what was happening. ticket # XXXX XX/XX/2023 : They answered me saying : " I can see that you used WePay to process XXXX Payments and XXXX for another one. Although WePay and XXXX are different companies, we are able to reach out to them on your behalf. I have opened a ticket with WePay in regard to the whereabouts of the Payments for Invoices XXXX & XXXX. Once I have an update I will let you know. '' XX/XX/2023 : They send me this answer : " As promised, I reached out to WePay on your behalf and this is what they had to say : We apologize for the inconvenience, but WePay is no longer able to process payments for this account. We're held to strict guidelines on what we can and can not process through our site. After a standard review of their account, our Trust and Safety team has determined that we will not be able to provide them with our services. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. After the 120 calendar day timeframe, our Trust & Safety team will review the account again to determine if the funds can be released.I hope this provides the clarification you were looking for. Unfortunately, it seems WePay will hold these funds. I understand this can be frustrating and affects you as well as your business. Taking into account the circumstances, I would advise you to appeal WePay 's decision by sending an email to XXXX. You can read more about Merchant Appeals here. If you're interested, you can also reach out directly to WePay here. '' XX/XX/2023 : I opened a ticket ( ( # XXXX ) with WePay saying : For some reason, I didnt receive XXXX invoices. I contacted XXXX, and they said WePay is holding my money. I want to understand why the money is being held and how I can resolve this situation. XX/XX/2023 : They answered me : " We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2023 ''. I can't understand why my money is being arrested and my client said she paid with her debit card.
Company Response:
State: VA
Zip: 23233
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In 2018 I left the States and moved ( temporarily ) to XXXX. Been here eversince! The day before I left, to be prcised, on XX/XX/2018 I showed up at my local Chase Bank branch in XXXX Georgia and wanted to withdraw my money. I had {$1100.00} in my business account. I was told that due to a client 's check I deposited 2 days prior, which looked peculiar to them, they cant issue me any of my funds. That did not make any sense to me but I did not have a choice but to accept their decision. These funds WERE NOT in any shape or form part of or related to the check in question that was deposited 2 days ago. These {$1100.00} was leftover money that was deposited cash in my account, weeks before. Time passed by and I forgot about it, but recently I came across my bank statements from Chase ( saved on an external hard drive ) and realized I never collected my own funds from Chase Bank. I just called them an hour ago, at XXXX and talked to a " XXXX '' who after keeping me on hold for 5 minutes, came back and told me a check was issued to me in that amount. " Even if it was, it would have been in my business account name ( XXXX XXXX XXXX XXXX ) and nobody would have been able to cash it '' - that's what I replied back to her! About that time I told her the conversation is being recorded and then asked her if the check was cashed and if it was cashed, by whom? When she heard I'm recording to phone conversation, she hung up on me. I'm appealing to your authority to help me get back my money. Please help me, XXXX XXXX. P.S. Do not attempt to call me at the number I entered in the registration form ( XXXX ), It is an old number and I could not register unless on your website unless I gave a number. You can contact me via email ( XXXX ) or if you wan na call me, let me know and I'll provide a number for you. Thanks again, XXXX XXXX.
Company Response:
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was told to wire money from my account to a bank in California that it was accidentally, deposited in my account. I transferred 3 wires as instructed to do. I believed this was an honest mistake as I was instructed and that's when I got suspicious that it was fraud as no one from Chase that these large amounts were deleted from my account and the banks that I transferred to no longer existed and I was just out of those fundsI contacted XXXX XXXX XXXX, Az Dept of Public Safety and Chase bank,
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently left a job at the XXXX of XXXX XXXX where I had a pension worth {$24000.00}. The pension company they use called XXXX issued me a check for that amount to transfer over to my XXXX XXXX XXXX XXXX. I deposited the check in my Chase Business Checking account with the intent of transferring it over to my XXXX. Chase then shut down the Business checking account because the pension check was addressed to XXXX for the benefit of XXXX XXXX ( myself ). Chase is now withholding those funds and not giving me any way to retrieve those funds. They are not willing to return those funds to the original issuer of the check either. I have been pursuing this for almost three months and Chase refuses to release those funds, which they are keeping captive. Chase said the pension company, XXXX, needs to file a claim in order for Chase to return those funds to them. XXXX is unwilling to do that since the check has already been successfully deposited. Chase then stated that they need XXXX to sign a release of liability- which XXXX is unwilling to do. Chase is giving me no other solution to recovering the {$24000.00} - essentially stating that they are going to keep that money.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: one day i open my chase app, it was suddenly unlock and I was unable to login in. I called chase and they said they will close my account for no reason, I went to branch and check what happened, they said they do know. but they will give me my remaining balance in next 10 days, but it has been three week I still have not received my check
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I changed my name in XX/XX/XXXXXXXX due to my getting married, an act which is absolutely a boon to the XXXX XXXXXXXX XXXX and a utility to the US economy as a whole. On XX/XX/XXXXXXXX I received a letter in the mail from Chase dated XX/XX/XXXX that had no discernable authentication, no letterhead or signature from leadership and read as if it were a scare tactic/fraud piece from some entity trying to steal my identity. It contained just half of a W-9 form printed form the IRS website with the letter commanding me to put ALL my personal account numbers on the form as well as my newly validated SS number to then put in the physical mail addressed to a po box I could not verify as one of Chase 's. I received no email from Chase and no alert on Chase 's app about my account " needing attention ''. I even went into a local branch on XX/XX/XXXXXXXX to change my name on my account. Why was I not alerted then that my account needed this kind of sensitive information verified? The letter reads like a poor attempt at identity theft and makes threats of IRS and Chase penalties with no substantiation or reasoning of said penalties. The stringent due date was marked XX/XX/XXXXXXXX which obviously I could not honor since it was sent through the post office at a time when it couldn't possibly have made it to me in time for me to both verify authenticity and send a timely response. It is inexcusable the language that Chase uses in this letter. It is threatening and misleading. As a consumer, I have a right to timely communications about my account- especially if it means action from the IRS .
Company Response:
State: CO
Zip: 80031
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received my XX/XX/XXXX statement with a balance of {$8100.00}, and payment due date of XX/XX/2023. I made a payment of {$8200.00} on XX/XX/2023. The {$8200.00} was to pay off the statement balance, but also an additional {$120.00} in charges/purchases acquired after the XXXX statement and before my due date. Part of the {$120.00} was an annual charge by the card for {$99.00} on XX/XX/2023. When I received my XX/XX/2023 statement, I was charged {$59.00} in interest for a balance transfer and {$100.00} in interest for purchases ... even though the card balance was at XXXX and the payment was made on time. The balance transfer was not the type that had to be paid in full or the entire interest amount for the term was charged. The rate changed from 0 % to 28.24 % after the promotion expired. My complaint is the representative at Chase ( XXXX XXXX XXXX ) stated that even though I paid the card off in full and on time, I was charged interest for the days of the statement closing XX/XX/2023 to the payment due date of XX/XX/2023. I am not sure how you can continue to charge interest on a card, but provide a due date. If you charged interest the month before, and you state you have until a certain date to make a payment, how can they continue to charge interest when that is the timeframe they allowed to make a payment? Again, I not only paid the statement balance, but also paid the balance acquired after the statement cut off of XX/XX/2023. She further stated that I have to make two full payments in a row before the accrual of interest will stop. She stated for the balance transfer amount on my card of {$59.00}, I would be charged interest ( which this is the amount charged for interest for XX/XX/2023 statement ) ... so now I am paying interest on interest, even when the card balance was brought down to XXXX. With the CFPB trying to crack down on junk fees or unfair/deceptive charges by credit card companies, I would think this falls in line since they give you a date to make a payment but still continue to charge interest. Also, they are now charging interest on interest when a card balance was brought to XXXX.
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I already have a Chase Quest credit card which I applied for many years ago. They recently sent me a Chase Sapphire Preferred card, telling me I was pre-approved when I never applied for it. I never activated the card and threw away the letter. A few weeks later I noticed that the card had been activated and was listed in my Chase app with a {$95.00} fee. I called them immediately and asked them to close the card, telling them I never applied for it or activated the card they sent me. They closed the card immediately and told me this was fraud. They also asked me to call XXXX to report the fraud. I contacted XXXX who then tried to sell me their products, but I just reported the card as it seems to have damaged my credit rating. I dont believe this was external fraud as how would someone outside the bank know that they had sent me a pre-approved card? There were also no charges to the card other than the {$95.00} fee. Why would a fraudster open a card and then spend no money on it for several weeks? This makes me believe that it was Chase who just opened a new card on my account without my permission.
Company Response:
State: CA
Zip: 94133
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A