Date Received: 2024-01-18
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: On XX/XX/24 I received a email from WePay that my withdrawal from them into my account had failed but all previous transactions went through without issue. There is no reason for this. I contacted Chase Bank and they told me WePay closed my account ( which I just opened earlier this week ) and will be holding my funds for 120 days. I run XXXX XXXX XXXX and can not operate at all without those payments first. {$410.00} is what they owe me. Immediately. Previous funds went through successfully so there is XXXX reason to hold this money.
Company Response:
State: CO
Zip: 80526
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
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: Yet again Chase is failing to follow the law regarding disputed and unauthorized charges. Their online dispute reporting system is broken. I called Chase, waited on hold for an extremely long period of time and then explained in great detail the bait and switch scam that I was charged {$440.00} on XX/XX/XXXX from XXXX for. The agent assured me the refund would be applied to my statement within 48 hours. It is now more than 10 days later and no action has been taken. My payment is due in 5 days including this amount that I am not responsible for. This is blatantly illegal. Since Chase 's dispute system is completely broken, I would also like to include these subsequent charges that are also unauthorized. XX/XX/XXXX XXXX XXXX XXXX XXXX {$28.00} - this is an overcharge, the correct charge is approximately {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$28.00} - this is an invalid charge, I didn't use this service on this day. XX/XX/XXXX XXXX XXXX XXXX XXXX {$30.00} and {$0.00} these are invalid charges, I didn't use this service on this day.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Had fraudulent activity in my chase bank account around XX/XX/XXXX - XXXX XXXX Claim XXXX XXXXXXXX Fax XXXX XXXXXXXX Last acc XXXX XXXXXXXX Due to Account takeover with phone XXXX XXXX but they never reimburse the fund. I sent over police report & identity report Total about {$5000.00} or more
Company Response:
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2024-01-15
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: Dear cfpb I hope this message finds you well. I am writing to express my dissatisfaction with the way a recent dispute was handled by Chase Bank regarding a transaction on my account. Transaction Details : Type : Sale Transaction Date : XX/XX/2023 Posted Date : XX/XX/2023 Description : XXXX Merchant Type : Discount stores Method : Online, mail, or phone ( XXXX XXXX ) Category : Shopping Reference Number : XXXX Amount : {$48.00} Total Rewards Points Earned : XXXX The issue arose when I made a purchase on XXXX, and the seller failed to provide the promised free return service. Despite my attempts to resolve the matter directly with the merchant, I was unsuccessful in obtaining a satisfactory resolution. Subsequently, I initiated a dispute through Chase Bank to address this issue and seek a fair resolution. Regrettably, I found the process to be unsatisfactory. The communication and support provided during the dispute resolution were subpar, leaving me frustrated and dissatisfied with the overall experience. I understand that dispute resolution can be complex, but I believe that as a valued customer, I deserve a more transparent and efficient process, especially when faced with a situation where the seller did not adhere to the agreed-upon terms. I kindly request a thorough review of this dispute case and would appreciate any assistance in ensuring a fair resolution. Your attention to this matter is highly appreciated, and I trust that Chase Bank will take the necessary steps to improve the dispute resolution process for its customers. Thank you for your prompt attention to this concern. Sincerely, XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Received a letter from my bank asking to verify information regarding my credit application. I have not applied for any credit with my banking institutions.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I tried 6 times to send {$1000.00} international transfer from my checking account in New York to the bank account of my wife located in XXXX XXXX, XXXX. All the the time Chase Bank declined, even when I have sufficient funds, immediately blocking also my online access to my account. The bank say there was " suspicious activity '', even when I called Customer Service 10 times, spending around 400 minutes on the phone, giving them additional security information about myself, still no avail.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or around XXXX XXXX I deposited {$360.00} into the ATM at chase bank located XXXX XXXX. The terminal then gave me a receipt that told me to call an XXXX number to ensure my money was received. I have never got this type of receipt before. I called the number and told them what happened because my money didnt post to my account. I gave them the terminal number ( XXXX ) and all the other numbers that was asked of me. They gave me a provisional deposit so everything was good. Today I noticed a reversal on my account of the {$360.00}. I called chase to see what happened and I was told that their investigation found I didnt make a deposit. The clerk told me theres nothing I can do about it.
Company Response:
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX at Chase Bank in NY state I sent an international wire transfer to a business in XXXX. My banker at Chase used a XXXX code for XXXX XXXX XXXXXXXX XXXX that I was told was the correct code for the bank that my wire transfer needed to land at. Come to find out, the XXXX code was pulled from a drop down at Chase bank which was a retired XXXX code for the recipients bank. This was the first mistake that has lead to 4 weeks of my international transfer never making it to the intended XXXX account, and NO ONE at Chase Bank being able to track down this wire and let me know where my money is. In the meantime, the business waiting on the international wire is threatening to sue me for non payment, all the while the money left my account XX/XX/XXXX and has not been able to be found by Chase bank since. I have made at least 30 phone calls to Chase Bank, as well as sending emails, talking to supervisors, and reaching out to bankers at my local branch. I have been told every time that they can not figure out where the money is and why it has not landed at the account it was intended for. So I am now out a very large sum of money, it can not be tracked or found, I have spoken to no less than TWENTY different Chase bank employees, supervisors, teams, etc... all to NO avail. Meanwhile I am being threatened with a law suit over the missing funds not arriving. Chase Bank has told me over and over they are " working on it '' and someone will call me with a resolution, and now it has been over 25 days with no answers as to where my money went, where it is being held, and why it did not land at the account promised. Chase Bank as been worthless in this entire process.
Company Response:
State: NY
Zip: 14051
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited a cashiers check into my account on XX/XX/XXXX. My account was closed by Chase bank on XX/XX/XXXX by there fraud prevention department. I was informed I would receive a check in 10 to 15 business days. The check never arrived. I went into the branch I opened the account at to get a status, I was told for 3 weeks in a row that they were verifying the check and would send a tracking number. We are now 6 weeks into this and I still have no money. I have now incurred numerous financial hardships due to this. I have been getting the run around from Chase for almost 2 months.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/year> I received a text message alert from JPMorgan Chase asking if I was attempting to transfer {$14000.00} reply yes or no to stop transfer. I replied no to the message. Soon after replying to this message I received another message with a temporary username and password. Username XXXX password XXXX followed by another message asking if I was attempting to transfer {$7300.00} reply yes or no to stop transfer. I again replied no to the message. Soon after replying to this 3rd message, I received a call from JPMorgan Chase fraud department number XXXX asking if I was attempting to transfer {$21000.00} from my account at which I informed them that I was not attempting to make any transfers, nor did I authorize any transfers. We then proceeded to file a fraud claim, The representative said that he froze my online account including my debit card. He assured me that the transfers were canceled and that I needed to reach out to get set up with a new online user name and password. Later in the day Got another message from jp morgan # XXXX with a temporary username and password I immediately logged into my bank account to find that an online domestic wire transfer had been processed for {$21000.00} via XXXX XXXX XXXX to an XXXX XXXX XXXX GA XXXX XXXX I immediately went in person to JPMorgan Chase at XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. I informed the teller that I did not authorize this transfer and wanted to know how it processed after previously filing a fraud claim. The teller had me speak to the fraud dept and file a fraud claim. She also had me submit a request for the funds to be sent back to my account to the receiving bank. She also informed me that she did not see any previous claim for fraud filed. The rep placed a freeze to my online access all together and closed all open accounts including checking, savings, and debit card. They then opened new accounts and requested a new debit card be issued. I then spoke to the chase tech dept and obtained a new username and password for my online access after having me changed my email password associated with my bank account and run an antivirus program on all devices. I received a letter from Chase Bank informing me that XXXX XXXX XXXX XXXX refused to return the money and the found no fraud and closed my case. They went on to encourage me to reach out to the receiving bank. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke to XXXX in the fraud department. I informed her about the fraud claim filed with Chase and how they closed the case because XXXX XXXX refused to return the funds. XXXX informed me the funds were denied returned because they were unaware that it was due to complaints of fraud. She also informed me that Chase failed to send them the required indemnity affidavit and another form required for them to have sent the money back. She told me how if they received those required documents they would have had to send the money back right away but they didn't because they never received those forms nor made aware of a fraud claim by JPMorgan Chase bank. XXXX and I called JPMorgan Chase on a 3 way call and spoke to a supervisor who claimed they sent the forms on XX/XX/XXXX. However, XXXX XXXX did a department wide search and could not find any forms received. XXXX XXXX did an internal investigation and informed me that even if they did receive those forms today it was too late because the funds had already been transferred out of the receiving account and that I needed to go back to chase bank. I again called JPMorgan Chase Bank and the supervisor of the fraud department informed me that there was nothing they could do and that they closed the case and could not help me. On Saturday XX/XX/XXXX I reached out to the XXXX, FL police department to report the theft/fraud at which they gave me the packet to complete and informed me to file with the FTC prior to returning the packet as to include the FTC report and claim number. On Monday XX/XX/year> I turned in the packet and filed a police report with the XXXX, FL police department for fraud/theft/wire fraud. I also gave a copy of the Federal Trade Commission report and report number : XXXX. Chase closed the case of fraud without looking at the evidence I had showing my information had been breached and I had been receiving text messages disguised as chase messages. I also had proof that someone requested a temporary username and password. The day The Wire had been transferred along with an email where The Wire was set up that day on my account prior to that. I have never transferred any money by a wire. I did not know this person. I do not know this person. I did not know this person. I did not authorize the transfer and Chase will not stand behind and Insure my account. They said sorry for your loss but we can't help you. I am out my entire life savings {$21000.00}. Because somebody failed to do what they were supposed to do in the first place. Chase claims they sent the documents to XXXX XXXX and XXXX XXXX swears they never received those documents. Somebody is wrong and lying somewhere and I'm the one who is paying the price for it. It's not right And it's not right.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A