Date Received: 2023-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposit mobile check from my 401k I took hardship withdrawal. Deposited the check this is the XXXX one to the account very same everything except amounts have varied this was smallest one. They say they cant verily the check that they called and my trust advisor had no person by My name and this was not their check number. Chase has put fraud in my account and locked me out. Cant access my direct deposit from today either. Went to bank spent 2 hours there and result was nothing.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Chase Bank - Issued a Cashier 's Check the date on the check is XX/XX/XXXX with " Void after 7 years '' printed right next to date. On XX/XX/XXXX ( within 7 years ) electronically deposited check and is was returned with the reason " Stall Dated. '' Went to Chase Bank to resolve issue and have Cashier 's Check reissued. They advised they follow California Regulations and after 3 years send to the State of California Unclaimed properties. Band provided that State of California Unclaimed properties phone number. Bank lied monies have not been sent to State of California when I called and went on CA Unclaimed website and my monies are not there. Bank has failed to in accordance to CA regulations sent me any notification monies need to be claimed or will be deposited with the State of California. Chase Banks explanation on " Void after 7 years '' printed on Cashier 's Check is Chase Headquarters is in Ohio and that is the template they use. This makes no sense.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
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 was purchasing tickets from XXXX and did not notice that the website changed to XXXX. I immediately called and emailed XXXX to cancel the transaction. I was informed that there is no cancellation policy. I emailed immediately and received no response. I was charged {$310.00} for tickets on XX/XX/XXXX( Twice the amount of XXXX XXXX ) and HAVE NOT received the tickets. I filed the claim with chase credit card to not pay and they denied this claim stating the merchant has no record of cancellation. They did not email or call me back to allow a cancellation and they also did not provide me with the merchandise that they charged {$310.00} for. I have NO TICKETS and they did not reply or response to my immediate cancellation. I filed a claim with Chase Credit
Company Response:
State: MD
Zip: 21012
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern, My name is XXXX XXXX. I live in XXXX XXXX, Idaho. And I have been a longtime standing member of Chase bank. There was an issue with my account that was not of my doing, that has ended up costing me approximately {$260.00} in lost wages.
Company Response:
State: ID
Zip: 83647
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX or XXXX, I received a direct message via XXXX from a supposed painter. They had mentioned that they wanted to use a specific picture I had posted to make a painting. Since I had no problem with it, I had agreed. XXXX, the painters name, had said she was required to send me money because of protocol. I had sent her basic information to contact me to go further. When the client ( who was paying for the painting ), XXXX XXXX, had messaged me, he sent XXXX back to back checks to deposit via email. When I deposited both checks, they were placed on hold. Chase had said the check amount would be available a week after the check was deposited. Messaging the client, he had said that was fine and normal. Later, XX/XX/XXXX, Chase emailed saying I had insufficient funds due to the check removing {$500.00} instead of adding. When I brought this up to XXXX, he had the - {$500.00} removed some how. After this happened with the XXXX check, he had mentioned to deposit another XXXX to get the pairing project started. The same issue kept happening. Therefore I had called Chase to remove the most recent checks on XX/XX/XXXX, because I would not have cell service that weekend and I was frustrated dealing with the same issue despite the clientele changing etc. The representative had mentioned that out of the XXXX checks I deposited the first one would be removed and when the second one goes through, they made a note to remove it. I was not made aware of any fraud or fraudulent activity in my account by Chase, I only received letters stating the checks were removed from my account. On XX/XX/XXXX, I had attempted to make a payment at XXXX XXXX, however, it said not authorized. When I called my bank about my account, they said that my account is closed due to fraud and nothing can be done. I asked if there was anything I can do or resolve, but the representative said I couldnt and I could not open another account at Chase. In search of a new bank account due to this because my job needs to deposit money in my account, I went to XXXX XXXX ; however, the banker said my name/SS is not passing the background check. Chase did not mention any of this to me prior
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I received an email from Chase XXXX XXXX telling me, " It looks like you have new activity on one of your accounts You haven't used this account in more than 6 months. Head over to XXXX XXXX to make sure you recognize this activity, and if you don't, see how we can help. '' So I clicked on the link supplied. Then I logged in. It told me that there was a charge on one of my credit cards ( XXXX XXXX ) for {$5.00} on XX/XX/23. It then said that if I don't recognize this that I should contact them immediately. So I logged into my XXXX XXXX account and I didn't have any charge for {$5.00}. I called XXXX XXXX credit card services and spoke to someone. They told me that there was no charge for {$5.00} and that my account had not been inactive for more than 6 months. Then I went back to Chase XXXX XXXX and looked for a phone number to contact them and ask them why they were sending me false reports. " If you have questions, feel free to call us at XXXX ''. So I called the number. It was some scam. It starts off by asking me if me or anyone in my family is age XXXX or over, if so please press XXXX. I didn't press anything. Then what sounded like a person named XXXX or XXXX came on the line telling me congratulations I am qualified for a free ( some sort of medical device ). I attempted to interrupt this " person '' saying no, no I don't want to buy anything, stop, hello, stop. The fake person just continued to finish the sales pitch. Then I hung up and found a new number to contact Chase. I explained to them in great detail everything that transpired. They kept trying to tell me that I need to contact XXXX. I told them that the phone number that I was given to call,XXXX was provided to me on their website, chase.com They kept telling me that I needed to contact XXXX. Then they transferred me to someone else within Chase. I went over all of the detail again. Again, they tried to tell me that I needed to contact XXXX. At this point, I'm not even concerned with why they sent me a false report telling me that there was a {$5.00} charge on an account that had been inactive for 6 months. I'm more concerned about why their website, chase.com is sending people to a scam operation via the XXXX. Again, they told me I needed to contact XXXX. I told them that this was on their website Chase.com and only people within Chase have access to their website and only they are able to put up or take down links, because it's on their website, not XXXX 's website. They then tried to transfer me to someone else at Chase, but they really just put me through to another automated system asking me to enter in my credit card number. This doesn't have anything to do with my Chase Credit Card, it has to do with a XXXX XXXX credit card so my credit card number is irrelevant. I pressed 0 and then 0 again and finally got ahold of someone. I explained this all over again and they told me that I needed to contact XXXX. I told them that it was their website that is sending their customers to a fraudulent phone number for what appears to be a scam. I told them that I would be filing a complaint with the appropriate agencies.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Subject : Demand for Removal of Inaccurate Collection Account and Compensation Pursuant to FCRA Violations Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is [ instructed do not include ] and I am writing to bring to your attention a critical matter regarding potential Fraud, identity theft, securities fraud, Conspiracy, Trustee violations due to lack of disclosure, tax invasion, Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Racketeering and other erroneous crimes from the way these companies are doing business '. an inaccurate collection account on my credit report, which has been reported by this company. I am seeking its immediate removal and compensation for the time and effort invested in disputing this erroneous entry. The account in question has been listed without my consent, and I want to emphasize that I have no contractual relationship with any of these entities, corporations. They have not only sold and traded accounts yet discharged and claimed funds as abandonment which is not the case because of lack of disclosure. they have not reported the sold accounts to the IRS in benefit of the Beneficiary and they have allowed 3rd party debit collectors to use their name to enforce trauma. I have not provided any authorization for the use of my name, likeness, or credit data, making the presence of this collection account a direct violation of my rights. I am the consumer and a victim of fraud and identity theft, due to non-full disclosure using and selling my personal information and securities, promissory notes, and other instruments for their personal gains to no gain of me the only authorized Beneficiary. over XXXX years i have personally reached out and also asked credit repairing agents to address this matter. I need the credit bureau to mail me all of those correspondence letters received from the credit repair companies. This collection account is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in Section 607 ( a ) ( 1 ) and ( 2 ). The FCRA mandates that credit reporting agencies, such as XXXX, ensure the accuracy, completeness, and timeliness of the information they report. Moreover, Section 615 ( a ) ( 1 ) prohibits any person from furnishing inaccurate information to consumer reporting agencies. Section 621 of the FCRA further imposes liability on any person who willfully fails to comply with the requirements of the FCRA, making them liable to the consumer for damages. Furthermore, this situation is a blatant violation of 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j. These sections underscore the obligation of credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The collection account 's fraudulent acquisition and sale also contravene the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which expressly prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. Moreover, these actions breach federal laws, such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ), by engaging in deceptive and fraudulent practices. I kindly request that the Consumer Financial Protection Bureau immediately investigates this matter and takes necessary action to compel the removal of the illegal collection account from my credit report. Additionally, I seek compensation for the time and effort expended in disputing this inaccurate information. Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue. they knowingly or unknowingly Committed securities fraud... all consumer debts should be discharged and paid by the treasury HJR 192 is the insurance policy that protects the legislators from conviction for fraud and treason against the American people. It also protects the American people from damages caused by the actions of the United States I hope this letter finds you well. I am writing to address a matter of great concern regarding my account with your institution. Over the past XXXX years, I have been attempting to resolve issues through various communications, but unfortunately, satisfactory resolutions have not been achieved. This notice aims to draw your attention to specific facts and concerns that point to potential legal violations, including a violation of the Privacy Act of 1974 and the Indenture Trustee Act. Potential Fraud : Assertion : Unverified information has been associated with my account, constituting potential fraud. Supporting Fact : Recorded credit scores, acquired without proper authorization, indicate actions that may amount to identity theft and securities fraud. Identity Theft : Assertion : The acquisition and use of my credit information without proper authorization may amount to identity theft. Supporting Fact : Unauthorized hard and soft inquiries, as well as the trading of private information, raise serious concerns. Tax Evasion : Assertion : Mishandling of financial transactions may raise questions about tax evasion. Supporting Fact : Immediate return of securities bonds, USD principal, interest, and associated terms is demanded for proper rectification. Defamation of Character : Assertion : Your institution 's activities have adversely affected my good name, causing harm to my personal and professional life. Supporting Fact : Denial of loans and investment opportunities due to adverse credit impact is a tangible consequence. Conspiracy Against Individual : Assertion : The mishandling of my account, intentional or not, may constitute a conspiracy against me. Supporting Fact : Ongoing discrepancies and lack of resolution despite diligent attempts indicate potential collusion or neglect. Violation of Consumer Rights : Assertion : As a consumer and account holder, I am entitled to accurate handling of my account information in compliance with federal law. Supporting Fact : Numerous attempts to resolve issues over the past XXXX years have not yielded satisfactory results. Extortion : Assertion : Attempts to commit securities fraud, extortion, omission, or identity theft are unacceptable. Supporting Fact : Cease and desist instructions are issued to stop such activities immediately. Privacy Act of 1974 Violation : Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Supporting Fact : Unauthorized use of credit information and failure to comply with fair information practices indicate potential Privacy Act violations. Indenture Trustee Act Violation : Assertion : Your institution 's actions may be in violation of the Indenture Trustee Act. Supporting Fact : Improper disclosure or no disclosure of pertinent information regarding my account status and transactions may constitute a breach of trustee obligations. Egregious Business Practices : To verify the facts in the preceding paragraphs, see ( 5 U.S.C. 903, 12 U.S.C. 95, 18 U.S.C.A. 914, 22 U.S.C. 263, 285, 286, 287, 288. Public Law 89-719, Public Law 94-564, Public Law 101-167, Public Law 91-151 Public Law 103-465, House Report 103-826 T.D.O 150-10, T.D.O. 92, 41 Stat. Chap 214 pg. 654, Emergency Banking Act 48 Stat. 1, Articles of Agreement 60 Stat. 1440, 20 CFR chapter 111, subpart B 422.103 ( b ) ( 2 ) ( 2 ), United Nations Secretariat Revised System of National Accounting, Diversified Metal Products v. IRS et al. CV-93-405E-EJE U.S.D.C.D.I. , XXXX v. United States , 177 F.2d 275, 277 XXXXXXXX v. United States , 493 F.Supp 673, 675 XXXX XXXX XXXX, 425 F.Supp 1318, 1319-20 FRC v. GE 281 U.S. 464, XXXX XXXX XXXX 261 U.S. 428, United States v. XXXX , 571 F2d 405, 410, XXXX XXXX XXXX 1 Dallas 43 , INTERPOL Constitution Art. 30, Executive Order 10422, Sincerely,
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased an XXXX XXXX XXXX XX/XX/2022. It was a used XXXX XXXX. After such time, the car has depreciated in value, and requesting a refinance on the car has been difficult, due to the high monthly payments. After doing some research, I started studying the contract and the loan process, and found there were inconsistencies and questions regarding the origination of the loan and imperfection of the lien. I sent Chase an offer of set off and discharge, but they refused, which is dishonor. I sent the CFO documents of discharge set off, and below is a copy of the notice of rescission of contract. Pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23, I hereby exercise my right to rescind the car sales contract that is identified by the above referenced account number. The primary basis of the rescission is that, I was not provided a completed copy of the notice of my right to rescind the consumer credit transaction, in violation of 15 USC 163 ( a ) and Regulation Z, and 12 CFR 226.17 and 12 USC 226.23. The attached documents were sent via certified and registered mail to the CFO/Trustee of Chase Bank . They were stamped and notarized.
Company Response:
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited a physical check in person at Chase branch. Account on hold for 10 days while they verify the issuer of check. Check still has not been verified after 16 months. Get same information each time I call, Chase says the will just call and verify with the issuer of check, they never verify it. I dont think I will ever receive my money.
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: An individual called my daughter on her cell phone from Chase bank claimed that there was fraud on my account and they were wondering if it was her. She said no and they said they would cut off her card and send her a new one in 3-5 business days but needed to set up a new pin number. Considering the number was from the local branch she was asked to verify her old pin so they could giver her a new pin number. Chase then allowed an individual to add my ATM card to a Mobile Wallet ( XXXX XXXX ) without any verification and use it to access a Chase bank ATM and perform 47 ATM withdrawals over the course of two days to withdraw money from my account exceeding the normal daily limit of ATM withdrawals. At no point in time was my physical card not it my possession or known to be compromised. When the charges were noticed and a fraud claim was made they denied the claim for reimbursement of {$2800.00} saying that i had authorized the withdrawals. A police report was filed and Chase bank would not send the video surveillance without a search warrant to assist in identification of the individual but would only send still shots from the ATM which were very little help due to chase allowing the individual to enter the bank and access the atm located inside the branch with a hat and covid mask and proceed to make atm withdrawals for a period of 20 minutes without being questioned. Chase bank is not helpful at all at identifying the individual or assisting to get the money back because they just denied the claim so have no financial incentive in assisting address this problem or view of liability
Company Response:
State: LA
Zip: 71291
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A