Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for services to my business account & Chase JPMorgan has held the check for over a week. They have said they are verifying the check with the maker & paying bank. I have spoken to the maker & paying bank myself with a Chase branch manager & the paying bank said funds have cleared. But yet, chases fraud department will not release the funds. And they have since completely locked my business account. Restricting me from using other funds I had in the account. They told me this morning if the check can not be verified they are going to close my account & refund the pending check to a customer I have already assisted in receiving the equipment. XXXX XXXX XXXX, manager of the XXXX, XXXX branch will back all of this information.
Company Response:
State: OK
Zip: 738XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
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: On XX/XX/2023 I received notice that a purchase of {$810.00} was made on my account for a purchase of tickets to an event. I did NOT authorize this transaction, nor did I have possession of my card. I realized my card had been stolen and immediately called Chase Fraud Protection to report the unauthorized transaction, as well as issue myself a new credit card. They immediately credited my transaction and sent my card back. All seemed fine, until a month later on XX/XX/XXXX, they reinstated the charge for {$810.00}. They claimed that I had " received benefit from this purchase '' which is completely false and untrue. I have no idea what was purchased or where these tickets are. I have called Chase Fraud Protection multiple times and I am always outsourced to a call center in XXXX. They typically have no idea what is going on with my account and read notes that I benefited because my email and address were used to purchase the tickets. The problem is, the email they claim I used, I have not had access to in over a year. It is possible that my email account is compromised and my credit card information was left somewhere in my email account and that whoever had access, was able to make a purchase. Regardless, I did not authorize this transaction and due to Chase 's " Zero Liability '' policy on my credit card, I should not be charged for this transaction. I am leaning on the CFPB to right this transaction before I am forced to take Chase Bank to small claims court. Thank you for your help.
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited through Chase Bank mobile app 3 checks on XX/XX/. Each check was {$500.00} for a total of {$1500.00}. I waited for about a week and the funds were already taken out from the check writer 's bank account. Chase cleared the deposit and my balance was {$1500.00} plus a direct deposit from my employer for {$140.00}. On XX/XX/, I got a text notification from Chase that my balance was {$0.00}. I called Chase and was told that they closed my account and yet I was not even notified. They told me they will keep my account open as long as they could call the check writers who are my parents. They talked to my dad and told me the checks will be released from hold in 5-7 business days. I've kept waiting and yet still no funds. I called them again and they told me the numbers I provided were not registered, they never told me that the first time. The third time I called, they told me I need to have my parents contact their bank to make a claim with Chase to get that money back. The FOURTH time I called, they told me my parents need to call their cell phone providers to make sure the numbers are registered. They called XXXX XXXX and those numbers were registered in their name. I went to the branch yesterday on XX/XX/XXXX to have the banker help me, the person on the phone kept on saying that their system can not verify my parents number. I am at the dead end, Im a XXXX and I need those funds to help with tuition and expenses. XXXX said the phone numbers are registered but Chase said they're not. It has been almost 3 months.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
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: On XXXX I purchased a bed sheet set from Amazon and it was not delivered. I am being charged for the drivers refusal to deliver to my home address. I also pay a yearly amount to Amazon XXXX and want monies I paid for that program and want payment returned along with the charges for the sheet set.
Company Response:
State: AZ
Zip: 85713
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My husband and I have been HUGELY profitable customers of Chase for over 30 years carrying high balances, an active HELOC and at one point a mortgage. In exchange for their earning huge profits on our high balances and paying a pittance in interest they gave us free checking. Wow. For the last few months my balance in one of the accounts fell to the point where they began charging $ XXXX. Contacting them for relief there was ZERO understanding of the fact that we have been long time, highly profitable and loyal customers. They deferred to the fine print buried deep inside their XXXX XXXX XXXX as a reason why they were under no obligation to refund fees. Chase is earning record profits. Why do the regulators allow them to continue to treat their customers XXXX XXXXXXXX? They should not be allowed to rely upon XXXXXXXX XXXX XXXX mailed eons ago ( or worse, sent via email which noone reads anyway ) written in mouse type as a reason to justify their taking advantage of customers and milking our accounts for money that goes to XXXX XXXX and his minions in outrageous bonuses. Why don't you hold them more accountable? PS part of the reason I decided to send this complaint is that, as a former banking executive, I know they will be put through the hassle of having responded. Had they treated me with some respect and fairness it would have cost them less money and hassle, and I would not be bad-mouthing them to anyone who will listen.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was alerted in XXXX by XXXX and Chase, that there was a change on my credit report. I received an email from Chase that more information was needed from me before my application would be reviewed. I thought it was a scam so I deleted it. Then I learned from XXXX, after checking my credit report that someone applied for a Chase card in my name. I contacted XXXX immediately, and they provided me the number for Chase to call. Chase fraud dept. immediately denied the application, XXXX updated all three credit sites to note fraud was suspected and to contact me directly for any reason. A few days later, the same thing happened. I contacted Chase again, the application was denied and this time I went to all three credit sites to freeze. I went to a Chase branch to pick up the necessary forms, to submit a claim to obtain the applications received. I received the forms today. Reference # XXXX XX/XX/XXXX : Application submitted by XXXX XXXX XXXX XXXX XXXX Application Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Telephone ( XXXX XXXX XXXX ) - this is not my phone Cell - XXXX - I only have a cell phone Alternate N/A Social Security Number XXXX XXXX XXXX XXXX - this is my SSS. I checked the SSA site and I don't see any sign of damage or fraud, nor have I received anything, but I don't know how this person has my SS # Date of Birth - XX/XX/1963 Income - {$98000.00} - this is actually incorrect, I am unemployed Mother 's maiden name - XXXX - this is incorrect. XXXX is the married name email : XXXX IP address : XXXX Employer - NA Position with Employer Employed Employer Telephone NA Authorized User : NA Authorized User Date of birth NA Reference # XXXX Application submitted by Internet for Chase Freedom card on XX/XX/XXXX at XXXX XXXX Application name : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Home phone XXXX XXXX XXXX Cell NA Alternate NA SS # XXXX Date of Birth XX/XX/XXXX Income XXXX annually Mother 's Maiden name XXXX email address XXXX XXXX address XXXX Employer NA Position Employed NA for Employer phone, Authorized user and authorized user date of birth
Company Response:
State: IL
Zip: 60090
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: YOUR COMPLAINT My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted I was a fact a victim in this data breach. And XXXX has done nothing. Please help me delete this illegal accounts from my credit report listing the negative account that effected my credit report and my score went from XXXX dropped to XXXX.
Company Response:
State: MI
Zip: 48198
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We received confirmation that we authorized full payment to be made through ACH on XX/XX/XXXX. XXXX, XX/XX/2026, we checked our balance due and it showed that no ACH transaction was processed by Chase. The feedback from Accounts-chase.com accessed through the Chase app states the following : " Does Everything Look OK? ", Payment Date ( Due date : XXXX XXXX ) XXXX, Pay from XXXXXXXX XXXX XXXX ( ...... ) { The checking account number was not supplied due to security concern } Under Payment Authorization : By coosing " Pay it '', you, XXXX XXXX XXXX { name omitted }, authorize the one-time payment of {$9100.00} to your credit card account ending in ( .... ) { number omitted } .We 'll withdraw as a ACH debt from your pay-from account ending in ( .... ) { number omitted for security } and the payment to your credit card will be dated on XXXX withdrawal will generally occur within 2 business days of this payment date, but the exact timing is dependent on the bank 's processing schedule ..... '' We checked our balance and there was a message that we were in arrears due to no payment in XXXX despite the " confirmation '', though it was stated, as it has been worded on past messages when the transaction had been successful that " We'll withdraw as a a ACH ... ''. The second representative with whom we spoke told us that people generally check 2 days later to make sure that the transaction actually occurred, Our accountant, who uses Chase and the app feels that this statement is not accurate and that, unless otherwise informed, the transaction is assumed to have gone through. We check with our XXXX account and no transaction was reported, so it seemed that Chase erred in not initiating the ACH transfer. We transferred the XXXX payment today making us current in or payment, but were informed that our chase card is now inactive and will not be activated until the withdrawal from our checking account occurs within the next two business days. Since we have autopay on many accounts, payments to several key accounts may be rejected. Chase representative XXXX and his supervisor XXXX said nothing could be done and that there was no one else to speak with up the chain of command. We also fear that this mix up could affect our credit. we have used this Sapphire credit card for many years and never missed a payment except when we were hacked about a year ago. We feel that this problem, which appears to be an error on Chase 's part could have been corrected immediately with effort to move it up the chain of command. We received " understanding " but no corrective action.
Company Response:
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 at approximately XXXX I attempted to withdraw {$3000.00} from a bank ATM inside Chases XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The ATM did not disburse my funds. The funds were however removed from my account. I spoke with several branch employees and with the claims department with no success. I've asked repeatedly for them to count the funds and review security footage to corroborate my claims and they refused. They have stated I would need a subpoena.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello. Yesterday, XX/XX/2023, I was notified that Chase Bank ended my checking and saving relationship with them of over three years. I did not receive any valid reasoning for this closure, and was told that my money would be frozen over the course of over sixty days with this account. This is extremely unacceptable. I decided to enter my local Chase branch in XXXX and inquire about this issue as I have all of my money in Chase bank. This is a HIGH SCHOOL ACCOUNT and there are no debts to Chase, or any other issues with the account so this should not happen. I spoke to a banker named XXXX, who called the Customer Service and was told the reason of closure was due to excessive claims on my account. The banker confirmed how many claims I had on my account over the course of the last year, and it was confirmed to be XXXX. Out of hundreds of transactions. This might seem like a lot but I would like to explain. I am only XXXX. I XXXX XXXX XXXX XXXX XXXX I deal with marketplaces like XXXX and XXXX all the time. The only major disputes that I have with Chase Bank are with, XXXX, and XXXX which are both marketplaces known to have issues with refunds. Though I have many successful transactions, there are major transactions that I have issues with. And the other disputes on the account are XXXX, a bad shoe sale, or from my vacation in XXXX that went wrong and somebody stole my card. I expect Chase to understand that being so young, sometimes I do make mistakes. But each time I pay for my mistake. I filed disputes, provided evidence for each of them, and make sure most if not all disputes I've won. I understand I might have excessive disputes with Chase. The XXXX ones are understandable, but I've won each of them with the exception of one. The XXXX disputes are food delivery, and I order hundreds of meals a year. The fact that only XXXX or so have gone wrong is considerably decent. The XXXX store places were unauthorized. And I had a few sneaker sales that went wrong as well, which is a risky market. Please Chase Bank, I am only XXXX. I would like a second chance. I will not file a SINGLE dispute anymore with you guys. That is my promise. I really don't want to lose my relationship with Chase at only XXXX... I want to open credit cards with you guys in the future, and I understand my model might be risky, so I would like to change it. Though XXXX disputes out of thousands of transactions is a 1.7 % transaction loss ratio, I can understand why you guys might feel your way, and the people at the branch agreed with me too. I would like a human to review my account, and empathize with my scenario, in which I do deal with online marketplaces which have a higher dispute ratio than average, which I will no longer do on my account. I will not order food delivery on this account either, and I hope you can reconsider my closure. I have never had a negative balance, never had an argument over the phone, never had any debt, only good history with you guys. Please Chase Bank, once again, I want to attempt to restore our relationship. And if you can not restore our relationship back to good standards, can you please issue the check for my money in a faster manner as this is an unfair closure with my situation not being a factor. I have had identity theft, and all this stuff happen to me, and I don't want Chase to look at me with a red light.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A