Date Received: 2023-12-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Subject : Urgent Complaint Regarding Account Restriction and Lack of Assistance To Whom It May Concern, I am writing to express my extreme dissatisfaction and frustration with the lack of assistance and resolution I have encountered while dealing with the issue of my restricted account at Chase. My account was inexplicably restricted due to a mobile deposit check from my school, which the bank deemed suspicious and unrecognized. Despite my attempts to explain the situation, I have faced insurmountable obstacles in seeking assistance to resolve this matter promptly. The check in question was part of communications I had received from my school regarding payments, and I trusted these correspondences as legitimate. However, it appears there might have been a misunderstanding or, worse, a fake email, leading to this unfortunate situation. I have spent hours on calls with Chase representatives, tirelessly trying to explain the circumstances and requesting their help in rectifying this issue. Regrettably, the support I have received thus far has been inadequate and unhelpful.I explicitly asked for assistance in removing the suspicious check or finding a way to mitigate the situation, but nobody has shown willingness to help or provide a feasible solution. This situation has caused me immense stress and inconvenience. As a customer, I expect timely and efficient support when facing such critical issues, especially when I have taken immediate steps to address and rectify the problem. I implore Chase to take this matter seriously and urgently. I request immediate action to investigate this issue thoroughly, remove the flagged check, and restore access to my account without further delay. I trust that Chase, as a reputable financial institution, will prioritize customer service and resolve this matter promptly and satisfactorily. I look forward to a swift resolution and an acknowledgment of the distress this has caused me.
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Thursday, XX/XX/XXXX at XXXX XXXX, received call from unknown person claiming to be with XXXX, independent process servers and gave me a phone number to a company called XXXX XXXX XXXX XXXX I called the number and spoke with a paralegal named XXXX XXXX. He claimed that they were attempting to collect a debt that is approximately XXXX XXXX XXXX from XXXX XXXX I informed him of the Statutes if Limitation in Texas ( 4-7 years ) for debt collection and he became belligerent and stated that only applied if there was a tolling agreement. This is false. He threatened that the company was filing suit and that we could bypass it if I agreed to settle for half of the cost. This debt, if it existed, does not even show on any of my three credit reports. This is harassment, lies and threats
Company Response:
State: TX
Zip: 77511
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was unfortunately a victim of a scam on XX/XX/XXXX who claimed the money was sent to supervisors representing XXXX XXXX XXXX XXXX XXXX. The amount sent from my personal account totaled {$2500.00} through XXXX on the Chase mobile app. The first transaction was sent to a XXXX XXXX XXXX for {$2000.00} and the second was to a XXXX XXXX XXXX for {$500.00}. I am attaching evidence of the transactions to the phone number the scammer provided. I called Chase the next afternoon with a claims specialist to report every information I could communicate on the two transactions involved in the scam including what exactly happened and what misled me to send money to scammers ( including being threatened multiple times to cut off electricity from the restaurant I own if I do not pay these scammers ), and necessary information about the recipients. After about a week has passed, I have received the conclusions from Chase on the claims for the two XXXX transactions. On XX/XX/XXXX, the first transaction of {$2000.00} concluded there were no faults and the transaction is considered legitimate. As for the second transaction finished and sent on XX/XX/XXXX, Chase has managed to refund me back the {$500.00} and agreed the transaction was incorrect. So today I just spoke with one of the claims specialists from Chase for information about the first transaction of {$2000.00} and communicated to me the same information that was written on the letter telling me there was nothing wrong and the transaction was considered authorized based on what I thought I reported last time. Based on the current information they told me, I think what happened on the day I reported was the {$2000.00} transaction was still pending and the {$500.00} payment already went through which was why my report could have only applied to the {$500.00} and not the {$2000.00} transaction. I attempted to make another claim through the Chase mobile app on the {$2000.00} transaction and the only button on there was to send a dispute ( which I did not think through as I thought there was an option to input my report ) which turned out to be the one the investigators looked at. *Other actions I have taken on that day include contacting with local police, reporting to FTC with report ( with report # XXXX which in addition I will share in one of my attachments ), deactivating my XXXX profile on Chase XXXX and changing my phone number in fear of being contacted by those scammers again
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Starting on XXXX, small amounts of money were being taken out of my checking account, in small increments ranging from {$100.00} to {$500.00}. I was involved in a fraudulent scam where money was taken out of my checking account with the main intention of being able to get my money back with some interest from an investment. I was speaking to this person mainly through the XXXX app and this person kept taking money out of my account and they took a total of {$16000.00}. I found out about this fraudulent scam about a month later, so I spoke to the claims representative at Chase Bank regarding this situation. I wanted to be able to get the debit charges reversed to get my money back since I never got my money back and was basically lied to the entire time. Still, unfortunately, the claims and fraud department denied the claims, stating that " because I authorized the charges, they were unable to reverse the charges and they are unable to stop the pending charges as well since I authorized it. '' I also asked if there were any other solutions that could help me get my money back, but the only thing that the bank said was to contact the XXXX XXXX department since they are the company that took money out of my checking account to see if they can reverse the charges. I also spoke to the XXXX XXXX department as well since the scammers also took money out of my XXXX XXXX account and they also denied my claims as well since they claimed that the only way to get my money back was to ask the scammers to send the money back and they are not able to stop the pending transactions. Before consulting both Chase Bank and XXXX XXXX, I already went to the police department to file a crime report on my stolen money due to a scam and filed an FTC report against the scammer. I already explained to both companies about my situation, but they both said that they are unable to help me at all.
Company Response:
State: CA
Zip: 91006
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I subscribe to four different services that alert me of credit reporting. In XX/XX/2023 I received an alert that I had applied for a credit card from JPMCB CARD SERVICES and the inquiry had posted to my credit report. After viewing the report I saw that on XX/XX/2023 someone had used my information. I contacted JPMorgan Bank and they stopped the application and stated they would be sending me a letter about the incident, which they did, and they also stated the inquiry would be removed from my report. Again on XX/XX/XXXX and XX/XX/XXXX the same thing occurred. I again called the bank and went through the same process. To this date none of the three inquiries have been removed as promised. Since all this has taken place, I have placed a freeze on credit bureau reports.
Company Response:
State: IN
Zip: 47403
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Your payout has failed We've canceled your XX/XX/2023 withdrawal of USD {$8900.00}. Common causes of a failed withdrawal : Chase XXXX Payments Your account has been closed Unfortunately, we can no longer support your business and we'll need to cancel any pending payments. Because your account is susceptible to a high chargeback or dispute rate, we have to put your remaining balance into reserves for a minimum of 30 days. If your balance goes negative, we'll recover those funds from your bank account. For full details, you can read our Terms of Service : XXXX XXXX XXXX Thank you for understanding and we apologize that we couldn't offer a better solution. The admin name on the account is not the name on the bank account. For security reasons, the financial admin must match the name of the account we're sending money to. The bank account number is invalid or mistyped. The routing number is incorrect. Some banks use a different routing number than the one printed on your checks for electronic ACH transfers. We recommend contacting your bank to verify the correct number to use. If you've already entered in new bank account information, we will initiate a new transfer of funds as soon as possible. We typically allow XXXX business days for transactions like this to complete. If you need any help, or have any questions, let us know by responding directly to this email.
Company Response:
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my Chase XXXX Checking and Savings accounts on XX/XX/23 via a {$900.00} bonus offer email from Chase. The email ( attached ) clearly stated that " Coupon code applied when you click 'Open both account ' '' button in the email to open the accounts. The terms said I should have received the {$300.00} portion of the promotional bonus 15 days after having a direct deposit into my checking account -- but it had been over a month and the bonus had not posted. I contacted Chase via secure message on XX/XX/23 to ask for help having the bonus credited and verify that the remaining parts of the offer ( {$200.00} for opening the savings + {$400.00} for doing both checking and savings offers ) were properly attached to my account. I received a reply via secure message from Chase on XX/XX/23 stating that : " a promotional offer wasn't applied to your accounts. We're unable to add a coupon code for the promotion. The account is no longer eligible for this offer since it has been open for more than 21 days. '' I responded to Chase via secure message on XX/XX/23 explaining that I had clicked the button in the email that said the coupon code would be applied when opening my checking and savings accounts. I asked for the bonus to be manually applied to my account. I received a reply via secure message from Chase on XX/XX/23 refusing to add the coupon code and rudely stating : " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. ''
Company Response:
State: DC
Zip: 20011
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: i have been getting money took from my checks for two months in sent to a savings account that i did not create i closed the account but can't get my money from it they said they did not see me in there system the last date they took from me was on XX/XX/XXXXXXXX XXXX XXXX
Company Response:
State: AL
Zip: 366XX
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: On XX/XX/XXXX, I deposited XXXX USD into the company 's ATM. The ATM took my money away, but the money isn't showing up or going into my bank checking account and no receipt was printed. The screen on the ATM displayed the word " To be sure your deposit went through call us at XXXX '' I filed a document with the company, but after the investigation, they said the transactions were normal. However, I am sure the ATM took my money away and there are witnesses. I called the company for further information but they said that the camera on ATM didn't see me putting the money inside the machine and this videotape is their property so I couldn't request to see it.
Company Response:
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In the Chase Banking app, they offer credit back promotions ( often referred to as Chase Offers ) in partnership with merchants. One of the offers that I saw tonight, which is offered with XXXX website, is deceptive as it offers 15 % cash back or 30 % if you spend $ XXXX ; however, the offer stipulates the maximum cash back is {$16.00}. {$16.00}, the maximum one can earn, is 15 % of {$110.00}, which means the advertising gives a false impression that an increased cash back % is available at a higher spend.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A