Date Received: 2023-12-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase bank closed account without notifying. Prior to it being closed, I had paid in full at all times. I submitted a payment for it to be paid in full, and it bounced from my bank. I called and asked why. It now is registered as eight unsuccessful payments which is the bank payment bouncing without notification. They also said it was due to my credit activity which involved a standard opening of a mortgage, car loan, a business credit card, and a credit line for a business computer with a low monthly payment. These are unfair reasons, considering I have always paid my account in full and been a responsible and responsive customer.
Company Response:
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Closing on a mortgage
Subissue: Delays with the closing process
Consumer Complaint: We believe that we were tricked into obtaining a Chase mortgage to purchase our home in XX/XX/ XXXX Chase advertised a " 21-day Closing Guarantee '' on its website promising to pay new home buyers {$20000.00} if closing does not occur within three weeks of the mortgage application. We completed our application on XX/XX/. They sent us a rejection letter claiming we closed 18 days after XX/XX/XXXX but we closed 26 days ( XX/XX/XXXX ) and that they needed 3 days after a Chase approved inspection. Our home inspection was on XX/XX/XXXX ( 25 days before we closed ). We were never asked about an inspection or notified if our inspection was " approved or not approved ''. The two excuses are inaccurate and not correct. They have given us about 5 different excuses now through emails and through our rejection letter that are all Chases fault. They are lying and not being honest. We have all the emails and documentation to prove that it was Chase 's fault for our delay in not closing within 21 days. We believe they are falsely advertising this guarantee. I would be very curious if Chase has even paid anyone for the " Closing guarantee ''. Chase has made up a lot of excuses as to why they won't pay us. We had a lawyer send a demand letter and Chase sent a rejection letter to us, which is how we found out the information above. The two excuses in our rejection letter were false and not accurate. Chase is refusing to pay.
Company Response:
State: IN
Zip: 47130
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: Purchased concert tickets on XXXX using chase credit card. XXXX was original ticket issuer. XXXX voided the tickets due to fraud. I requested a refund from XXXX but they continue to refuse to cancel. I disputed transaction with Chase but they sided with the merchant. XXXX email attached
Company Response:
State: PA
Zip: 189XX
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: Deposits and withdrawals
Consumer Complaint: I left my job and was issued a check for my pension contribution. I deposited the check into my account and a hold was placed. I inquired days later and was advised they believed the check was fraud. I contacted my previous employer they advised the check was not fraud and cleared on XXXX and Chase has the money. Chase refused to release the money alleging the paying back cant be contacted meantime my former employee has verified with the paying bank that the check cleared and Chase has been told that on a few occasion. I would like my money released
Company Response:
State: NY
Zip: 11429
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: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/XXXX I initiated a balance transfer for {$1700.00} through my XXXX XXXX credit card. I asked to move the balance from my Chase freedom XXXX XXXX to my XXXX XXXX XXXX. After waiting XXXX weeks I noticed we still had a balance of {$1700.00} on my Chase credit card. But had an active balance of the same amount in my XXXX XXXX account. I called Chase and asked them why the fund had not been removed. They advised they never received the funds. After several phone calls with both Chase and XXXX management, XXXX advised the wrong account number was entered ( XXXX instead of the correct account XXXX ) and that the funds did process correctly to Chase. XXXX provided me with a trace ID to give to chase. XXXX I then returned a phone call to Chase and they told me they XXXX. Can not track credit card transfers with a trace ID and XXXX. Received a check XX/XX/XXXX for XXXX. But that XX/XX/XXXX the amount was recalled I then contacted XXXX and asked that since they recalled the funds they credit my account and cancel the balance transfer. I received a temporary credit to my XXXX credit card during the investigation process but was returned that credit on XX/XX/XXXX. I sat on the phone for XXXX hours with XXXX bank XX/XX/XXXX and was told the funds were sent to Chase and until they can recall those funds I will owe them a balance. I have tried everything I can think of to get this issue resolved but to no avail. Both Chase and XXXX management are telling me neither of them have received the funds while Im left with a nearly {$4000.00} balance on my accounts. Upon speaking to a Chase XXXX a final time she adv that if the money was sent to the wrong account ( even though my name and information was attached ) they can not find, reverse, or provide any information on the funds. My name is not on the account number we did a balance transfer for so it makes no sense to me why Chase would honor or accept it.
Company Response:
State: TX
Zip: 78759
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: JP MORGAN CHASE & CO, deliberately and intentionally closed my credit card account. However, according to JP MORGAN CHASE & CO 's XXXX form for the fiscal year that ended XX/XX/XXXX, XXXX file number XXXX filed with the Security and Exchange Commission ( SEC ) , in section Note 14 : Variable Interest Entities ( VIEs ) on page XXXX Significant Firm-sponsored variable interest entities, Credit card securitizations conspicuously states : XXXX Card Services business may securitize originated credit card loans, primarily through the Chase Issuance Trust ( the Trust XXXX XXXX The Firms continuing involvement in credit card securitizations includes servicing the receivables, retaining an undivided sellers interest in the receivables, retaining certain senior and subordinated securities and maintaining escrow accounts. This in fact confirms it to be a trust relationship which I am the beneficiary of, but received no benefit. A forensic XXXX audit of the XXXX corresponding to the application/account, can and will confirm that the asset backed security, in this case being the credit card application, also referred to as commercial/chattel paper, was purchased, sold, pooled, transferred, securitized, invested and reinvested on the primary and/or secondary markets in both the public and private sectors. As an investor of JP MORGAN CHASE & CO, I am due equitable compensation. This is a clear violation of the XXXX XXXX XXXX of XXXX. Regardless of the reason ( s ) of the account being closed, I have the right to credit and interest. Withholding my access to my securities is securities fraud, unjust enrichment, a violation of the Equal Credit Opportunity Act ( ECOA ), as well as the Consumer Credit Protection Act ( CCPA ). If we are unable to reach a fair and reasonable agreement with the next XXXX ( XXXX ) days, I will have no other option than to pursue legal action for JP MORGAN CHASE & CO 's willful violations of the law.
Company Response:
State: NJ
Zip: 07002
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: I contacted Chase in early XXXX about a service I had purchased online. I was contacted at home by telephone by the senior manager of XXXX to upgrade from the premium service to the VIP plan which is exclusive and for elites. This company is a matrimonial service not a dating website like we have here in XXXX. I am from XXXX in my culture marriage and family is of significant importance, we currently have the lowest divorce rate in the world. With the XXXX XXXX scattered worldwide we use different matrimonial services to connect with other XXXX. Its a serious thing. Im divorced with no kids and this sales manager said he works specifically with older adults who are divorced. Im XXXX and not meeting men here. So he told me he will guarantee to have me on the way to marriage in six months and to buy a six month package. I said ok. The package cost {$1700.00} it was very expensive. Within three days on the site I asked for a full refund by the third day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first match she suggested wanted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He said he wants a pre nup with the women signing an unfair contract to walk away with nothing in a divorce and lastly that he will only provide a roof on her head and basic food. Shes responsible for everything else from her separate bank account. I described myself as lavish, high maintenance and into cosmetics and enhancements to stay young. Its insulting to even receive these kind of matches. I was so shocked I contacted the senior sales manager and demanded a refund. He completely ignored me and did not respond. I went back to the relationship manager and asked her what criteria they use to match people and she told me they look at my physical preferences of a partner they dont even read profiles to suggest a viable match. In other words what they are doing is filtering out things and conducting a basic search which is something I dont even need membership of any kind for I can use their free basic membership. This program is a romance scam taking a lot of money for nothing. I started doing research and found that thousands of people had fallen for these scams worldwide these are readily available on the XXXX XXXX underneath the app or on a XXXX search. I contacted Chase a week after I did the charge and asked them for a chargeback. I spoke to XXXX. He assured me that they would refund me because given the circumstances Im protected by consumer law. A few days later I faxed and mailed a letter certified mail to Chase. I never heard from Chase about 30 days after I called them and they said they are still investigating. Today I received a call with a denial the reason being that I tried the service so Im ineligible. The first question I have is how would I know its false advertising from XXXX and a breech of contract without trying the service? I would have to try it in order to know not receiving anything close to what I was told Im paying for. Consumer Law according to the FTC protects customers from false advertising and deceptive sales and from a breech of contract and thats exactly what this is. Look at the reviews on this program and it will lend credence to my claim. I asked for my money in a timely manner and reported it to Chase in a timely manner. This situation has made it impossible to buy XXXXXXXX XXXX or celebrate my moms birthday because {$1700.00} was tied up in dispute. They took all the money yesterday
Company Response:
State: MD
Zip: 21043
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: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Chase Bank In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. IN XXXX XXXX XXXX, there was a company illegal using my business account at Chase Bank which caused the account to close. This caused issues for me in the past with other banks i told them of the issue and they refused to solve the issue there are several reporting issues on my consumer report which caused me to be denied a business account therefore unable to create payroll.
Company Response:
State: MI
Zip: 49546
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: An unrecognized transaction was posted on my account, which I immediately advised the back was fraudulent and a claim was formed. I called chase bank and was told that the transaction was done by digital wallet, which is an in person transaction that the phone must be present to complete.. the phone was never stolen neither was my physical card. The claim was denied and I called to appeal it on the basis that this transaction was made in person outside of the USA and a separate transaction charge for exchange rate was applied, and I couldnt have been outside of the US because the same bank was approving in person charges for me at home in XXXX. They told me these charges were consistent. I asked them how the digital transaction was verified and they with held the information. They also denied opening another investigation unless they get more documentation proving I didnt purchase anything from the vendor, and that is impossible for me as they have all the information and will not release it to me.
Company Response:
State: FL
Zip: 33176
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Chase Safire Reserve Credit Card and in XX/XX/XXXX, I noticed a transaction posted to my account for a company named XXXX XXXX that was not conducted by myself. Therefore, I called Chase Fraud and they confirmed with me that this was the only fraudulent transaction. Subsequently, a merchant contacted me to tell me that there was a problem with one of my purchases so I called the bank and only to find out that the had mistakenly return all my purchased from XX/XX/XXXX to the day that I called in XXXX. I was on vacation during XXXXXXXX XXXX XXXX so there were many transactions involved including an airline ticket purchase in EUROS that converted to {$6200.00} charged to my account on XX/XX/XXXX, which was for a business trip to XXXX XXXX on XX/XX/XXXX. Chase told me that they were fixing their mistake and got reassurance that the airline ticket would not be affected because the return was still in process. Therefore, I trusted the bank that everything was resolved. However, I was not able to board my flight from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After hours on the phone with the airline while at the airport, I had no choice but to purchase another ticket on the spot for the next day XX/XX/XXXX. The airline XXXX XXXX XXXX XXXX told me that they would refund me XXXX of the tickets once the bank returned back the funds to them that were taken back for fraud. On XX/XX/XXXX, the airline company refunded me one of the ticket purchase but due to the EUR/Dollar fluctuation, my account was only credited for {$5900.00}. So, due to the Chase error, I lost money on the currency conversion for the refund and at the same time, I incurred expenses to stay an additional day in XXXX. On XXXX called Chase to complain and the supervisor was very understanding and assigned XXXX XXXX XXXX so that I could be compensated for the expenses around XXXX XXXX XXXX including the difference that I lost on the airline ticket refund due to the exchange. Since then, I have been following-up and kept getting the run around between the fraud department and customer service. In XXXX, I was told they they could not do anything because they had no access to the recording so I asked to escalate the case and it was escalated to the executive office. Finally, on XXXX I received a message from XXXX who investigated the case to tell me that they would not give me any type of compensation because the made the " proper adjustments '' and " coaching was sent to the agent ''. Well maybe the coaching should have been done before and that could have saved me lots of stress, additional expenses and a missed business meeting.. I called them back and a representative at the executive office did confirm that they saw the recording and it was confirm that it was their mistake but nothing could be done. This is totally an acceptable resolution.
Company Response:
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A