Date Received: 2023-11-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Last year I submitted a complaint against Chase Bank for closing my account for no apparent reason and with no explanation. In light of the announcement of CFPB fining XXXX XXXX for discrimination against American XXXX due to XXXX background. I believe Chase Bank has committed the same matter on this case on XXXX similar to what XXXX XXXX had done to other XXXX. There was no resolution from my previous complaint submittal.
Company Response:
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23, Chase rejected a funds transfer scheduled from an external bank account via their app in the amount of {$8000.00} stating that they were unable to verify ownership. On XX/XX/23, Chase blocked an attempt to send the funds directly to them from the external account. When I advised Chase that I had made a total of 8 previous funds transfers using this same account between XXXX totaling {$80000.00}, they were unable to provide an explanation on why the previous transfers went through if account ownership was not verified. I advised them that both accounts were owned by me, but Chase refused to provide options to correct the issue or a timeframe of when it may be corrected. Chase is personally benefiting from the decision to reject my funds transfer - I have 3 Chase credit cards due on XX/XX/23 that will each incur a late fee of up to {$40.00} due to not being able to access my funds. Chase advised me that I could perform a wire transfer which will cost {$35.00}, but refused to approve a reimbursement of this fee if I chose to use this option.
Company Response:
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: As per the attached documents : Chase has provided inaccurate/false mortgage statements that indicate that the HELOC or Home Equity Line of Credit is a XXXX mortgage or XXXX Lien when XXXX is not. Chase has filed inaccurate/false " Proof of Filing Statement '' with XXXX Department XXXX XXXX XXXX XXXX XXXX. Chase used both the innacurate/false " XXXX mtg '' mortgage statements and false XXXX " XXXX of XXXX XXXX '' as " XXXX Lien '' XXXX file foreclosure with the court. Chase has egregiously doubled the HELOC mortgage payment from ~ {$280.00} to ~ {$600.00}. Chase needs to provide accurate mortgage statements with accurate payment and outstanding balance listed and REMOVE XXXX XXXX or XXXX mortgage from every mortgage statement. Chase needs to file an amended " XXXX of XXXX XXXX '' with XXXX given that it is not " XXXX Lien '' as the attached court document indicates. Chase needs to amend the mortgage to reflect a mortgage payment significantly lower than {$600.00} - a modification is not a reduction by {$2500.00}.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have attached the counterfeit check that was deposited into my bank account at Chase Bank and funds taken out. I do not know these individuals who did this. Chase Bank has No Provisions in place to protect people 's account. When it was recommended by Chase Bank to turn off Online Banking it was done. On XX/XX/2023 someone deposited into my bank account a check for {$2400.00} and withdrew the money from my account. On XX/XX/2023 someone was trying to take out of my bank account {$480.00}. I received a fraud alert on this amount and was able to reject the transaction. Its strange that I would get an alert the second transaction which was rejected, but not the first time for {$2400.00}, and the check was honored at Chase Bank. The outstanding issues are : 1 ) There are no provisions in place to protect the consumers money.. Nothing sent to the consumer via a text message about fraud activity. Should work for checks and debit cards. 2 ) I was told that with online banking turned off I would not get any Fraud Alerts. On XX/XX/2023 I did receive a fraud alert with online banking turned off. 3 ) What was stated above I received no alert on the {$1400.00} check, but did receive a fraud alert on the check for {$480.00}. Chase Bank is unable to provide an explanation as to why this happened. CHASE BANK SHOULD NOT STATE THAT ONLINE BANKING IS TURNED OFF, AND NO FRAUD ALERTS, WHEN I DID RECEIVE A FRAUD ALERT ON XX/XX/2023. A CLAIM NEEDS TO BE FILED FOR THIS OCCURANCE, AS THERE ARE NO PROVISIONS IN PLACE TO PROTECT THE COMSUMERS MONEY.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I got a text notification on my phone on XX/XX/, that I made a purchase {$650.00} at a store called XXXX XXXX with my chase credit card. I was working in office at that time, so I called Chase customer service immediately to report the fraud transaction. I tell them everything, and also mention that my card is not lost, they refund the transaction to me and send me a new card. Then XX/XX/, I got another call from chase, because I have the possession of the card, they decide to deduction that money from my card again. I am not satisfied about the result, so I call not accept that, they reopen the case for investigation. Today I receive a notification on my app, and they decide to deduct that money from my account because I get the benefit from that transaction.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited a check from a title company after closing a real estate sale. Chase put a hold on the check but said I could have the hold lifted by calling a toll free number or seeing a bank officer. I visited my local bank the next day and, based on the fact the check was from a recognized financial institution and a known customer, she issued a request for the deposit hold to be removed. After seeing the hold still in place the next day, I called the number given to me initially. I had also called the issuing title company and their bank and received assurance that the check was good and that they had spoken to Chase to reassure them the check was legitimate. Three days later I returned to the local branch and spoke with another bank officer who knows me personally and is familiar with the title company and their bank. Despite all involved recognizing this was a legitimate check and that the issuing bank had confirmed this, apparently no individual in the entire corporation has authority to override the unnecessary and excessive hold on my funds which amounts to a form of unregulated hidden fee being earned by the XXXX day float on my funds at a time of high interest rates. The biggest complaint is the total withdrawal of the use of judgement by any humans working at the bank, regardless of level.
Company Response:
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Over the course of about a year, Chase bank sent me mail, emails, and notifications on my XXXX XXXX credit card account that I could take advantage of a balance transfer offer, where I would be charged 0 % interest on the balance transfer for 12 months. On XXXX XXXX XXXX I decided to take advantage of this supposed promotional offer and transferred {$4500.00} in balance from another card onto my XXXX XXXX. At the time of the transfer, I was told it would have 0 % interest for one year, and I paid a 5 % fee of {$220.00}. This transfer was included in my statement when the billing cycle ended on XXXX XXXX, which was for a total of {$8700.00} ( including the balance transfer and the fee ). Before the payment was due on this statement, I called Chase on or about XXXX XXXX to confirm how much I needed to pay off from the statement balance in order to avoid any interest charges. During that call, I was explicitly told if I had {$4500.00} in balance statement remaining, I wouldn't be charged any interest, so that's what was left on the card when the payment deadline passed. Because of what I thought was an advantageous offer, on XXXX XXXX I made a second balance transfer onto the Chase card in the amount of {$4000.00}, plus a 5 % fee of {$200.00}. When I went to check my statement from the billing cycle that closed on XXXX XXXX, I noticed I had been charged {$90.00} in interest for that cycle. I went back and checked my previous statements as well, finding I was charged {$31.00} in interest for the billing cycle ending on XXXX XXXX. I called Chase in the evening of XXXX XXXX to find out the source of these charges, which I thought were mistaken. Instead, after being shuffled between XXXX different people, I was told the 0 % interest promotional offer was voided immediately after I made another purchase with the XXXX XXXX card. Essentially, contrary to what I was told in that XXXX phone call, I needed to have paid off my entire statement balance of {$8700.00} in order to avoid any interest charges. As calmly as I could, I explained the balance transfer advertisements told me repeatedly I could avoid interest payments for the year. All the representatives I talked to said the advertisements were not true, and that I needed to now pay off the full amount of my statement balance to avoid any interest charges, which was now nearly {$13000.00} ( thanks largely to the XXXX balance transfers ). As a solution to the false advertising, I told Chase representatives they could refund me all the interest I had been charged on the account, which at this point totals {$120.00} but will likely increase as I'm sure Chase will charge me interest for the XXXX billing cycle, too, because of its Trailing Interest policy. All the Chase representatives refused to refund the accrued interest. I was told any further complaints about this issue must be dealt through mail to Chase 's executive office. To avoid any further interest charges on this XXXX XXXX account, on XXXX XXXX I began the process of transferring {$9000.00} in balance from the Chase card to a XXXX XXXX XXXX XXXX, which charged me a 4 % fee of {$360.00}.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My checking account and or other information was accired by someone else who charged my card for nearly {$2500.00}. Chase fraud department had called me and talked with me and were sending me emails through chase banking, and was able to send notifications through the chase app, but it was not chase fraud department. I have not lost any of my personal information ever, and the purchases were in XXXX IL, a city I have never been too in my life. Chase bank has not helped me at all in the time I had a claim with them but they haven't told me anything prior or after they finalized my claim saying I authorized multiple purchases. Also upon seeing the charges taken from my account I have first called back the actual chase fraud department in which their claim started the funds were only taken out of my account an hour or 2 before the call, I was at a jobsite in XXXX XXXX IL. I need to make sure that chase bank hasn't leaked my information or if someone within chase staff did this themselves. I will also send files and documentation when I'm certain no one else will try to steal my identity.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I was charged annual membership fee of {$95.00} for my XXXX of XXXX credit card. On XX/XX/2023, Chase closed my XXXX of XXXX credit card account due to its bank policies. I am requesting this annual fee be refunded as the account was closed by the bank.
Company Response:
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This ongoing fraud claim with Chase has been quite sometime, on XX/XX/XXXX, Chase has sent a letter to me by mail in regards to my fraud claim that has been updated and unchanged... ( REFERENCE NUMBER : XXXX ) My credit card has been compromised and I believe someone had stolen my credit card information and has made multiple purchases to the merchant " XXXX XXXX XXXX '' I have never done business with this merchant before and I have no idea who this merchant is.. Chase has made assumptions instead of probable through investigation to my fraud claim which is quite surprising since Chase is a large financial institution with banking fiduciary responsibility.. Don't you think they should at least contact the merchant about this matter instead of asking me to provide documentation and go into detail to find out who used my credit card as fraud? This makes no sense and is hard to provide on my end and Chase also knows this that's why they're sending me in circles to dodge this claim as best as possible. It's not like I do not want to provide documentation, But there is none.. Chase 's global fraud operation team DID NOT even hesitate to even investigate my claim so they dragged this claim for several months.. ( going back to XXXX ) This incompetent behavior is unethical, and does not meet industry standards of compliance, and consumer protection. They also contacted me through phone and have told me they take this matter " very seriously.. '' I talked to XXXX, from Chase 's fraud department and she told me she will get back to me on the next business day but she never did.. And, also I talked to XXXX from the same department. ( XXXX ) ( EXT : XXXX ). In the comments from the letter they sent me by " Card Executive Office '' XX/XX/XXXX they specifically stated " REGARDING YOUR REQUEST THAT WE PROVIDE DOCUMENTATION, OUR FRAUD REVIEWS ARE INTERNAL AND WE ARE UNABLE TO PROVIDE ANY DOCUMENTATION THAT WOULD SHOW WE CONTACTED THE MERCHANT. '' This level of incompetence is inappropriate, and needs to be investigated throughly on a high level from the CFPB since Chase has noticeable issues with their department and has failed to meet industry standards of consumer protection. They also have closed my credit card accounts from my personal/business even stating they have " failed '' to protect me as a consumer. CFPB please take action and investigate this fraud claim and protect me as a consumer because I do not believe Chase is an ethical bank that meets banking standards and I also believe I have lost faith in the credit system since Chase will not do anything in terms of consumer protection about this subject.
Company Response:
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A