Date Received: 2024-01-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/year> I went into chase bank XXXX branch on XXXX XXXX XXXX ohio around XXXX. I asked them to transfer funds from my prepaid smione debit card into my personal checking account to pay my property taxes and daughter bday present. The teller had me insert my chase debit card and type in the code then had me insert my XXXX XXXX and type in code. The teller generated the transfer and as it started the chase bank computer system they were working on went down. The teller apologized to me and said to bare w them while the system rebooted. After 20 minutes give or take it came back up. The teller said the transaction hadn't went through and tried to put through the transaction again for XXXX but this time is was declined then asked to put a lesser amount of XXXX and it was declined. I had my XXXX XXXX pulled up throughout the process had been in contact w them that day to ensure the funds were available and it stated they were. I while at the teller window called XXXX where it said my balance was now XXXX. I began to panic XXXX XXXX XXXX XXXX XXXX and said what the heck to moneys were just here before ur computer went down now they are gone it must have went through. I get a XXXX representative who said in fact the funds had been preauthorized on XXXX side and sent. Chase position remained that they have not received them. XXXX said of they sent a letter or email stating it wasn't received they could resend immediately. But chase said it was their policy to provide no written documentation as well as not receipt of the transaction.. they also refused a manager on site or to call one from there phone system. They wanted me to leave without a receipt or letter and drive to a different chase bank 20 minutes away to speak w a manager. I said i was not leaving until i spoke w a manager and had documentation of this transaction..the head teller XXXX reluctantly and rudely addressed me said she would have a manager from the XXXX branch call my cell phone. I had to keep reminding her I was the victim here. His name was XXXX manager at the XXXX branch in XXXX ohio called my phone 30 secidns later. he said they would expedite this and handle it. He said he is in touch w the digital tech team and they Could see it and it was being handled he reassured me and said he would call me back with information to expedite this matter. The chase manager asked if they could provide verbal authorization and smione said no it was against their policy it needed to be written. Both banks are at an impass and neither was willing to budge to resolve the situation. They both said my money would regenerate into my account but couldnt agree on when. This was on a three way merged call of smione recorded line inside the chase independence branch bank on their security videos. Chase said within a day or two and XXXX said that was a lie and that it wouldnt for at minimum of 8 days because they are a prepaid debit card but it has not regenerated. XXXX said after the 8 day hold that chase did infact receive the money so chase had given me false information the funds had transferred into a chase account and it in their account yet my account shows no pending transactions and the bank is refusing to answer my calls or give me any info on how to handle this further. After two weeks i finally got a hold of XXXX the XXXX from XXXX branch that they had call me during this issue at the branch since that independence branch had no manager onsite. He said I had to handle it through escalations and offered no apology for dodging my calls and refusing to communicate w me .. yet after 6 hrs on the phone w chase XXXX number XXXX claims and escalations that escalations dept said they can do nothing to help me. I have been given the run around from chase for XXXX weeks with no resolution. Im being advised to go to the police and press charges against my bank from XXXX who opened a dispute. I want my funds returned XXXX this policy addressed as I have been treated unethically during the entire process. They told me XXXX was my only resource. To go through them to try to get my funds back.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up on XX/XX/XXXX for the Chase Bank XXXX bonus through a link provided to me by my Mom, it included a bonus for checking, savings and doing both. I met all criteria to receive the bonus but was met with resistance from customer service and the branch manager at my local chase location. It was brought to my attention that a bank bonus code was processed on my account in XXXX, although I did not meet the criteria nor did the XXXX account receive a bonus. The previous account was closed for more than 90 days when I applied for a new account in XXXX. The wording in the fine print of the bonus specifically states that I am ineligible to receive a bonus, if I had received one to my account in the last 2 years. NOT that a code cant be processed on my account within the last two years. My account in XXXX NEVER received a bank bonus. This wording is incredibly misleading. This process has been incredibly frustrating and time consuming for me, as the only incentive for me to switch my checking account over was the bonus that Chase was offering. Not to mention, my multiple visits over to my local location to speak with someone, just to be told that the manager is not in and that I would have to return on a later date. In total, I spent 5 hours of discourse on the phone or in person to try and get this issue resolved. After spending this time, the branch manager stated she would reach out to her upper management for help but she never followed up with me. Hoping to find some resolution with this.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/ I mailed my Income Tax Extension with a check for {$14000.00} as my tax payment. On XX/XX/ my bank statement shows that check # 151 for {$14000.00} was payed out of my account, no other information in connection with this payment. XX/XX/XXXXI filed my income taxes, after they reviewed my return they sent me a notice dated XX/XX/ of unpaid taxes in the amount of {$14000.00}. I was sure they messed up as I had paid more than that in XXXX. I found my copy of the check I made before I mailed the payment then went to the bank to see the copy of the cashed check. It had been altered with a different payee and cashed by the XX/XX/XXXX CA dated XX/XX/. I asked my local Bank Manager what I should do, he helped me file a request of Chase Bank of " Declaration of Unauthorized Endorsement or Altered Item ''. Chase Bank declined my request. My local Branch Manager called a supervisor asking why it was declined as it is inside the time frame of the statue of limitations. Supervisor said resubmit it, I did they denied me again. TheXX/XX/XXXX took a report told me that the crime took place in XX/XX/XXXXso I tried to file a police report in XXXX, they would not do so telling me that I already filed a report. They have done nothing. XX/XX/XXXX tried to serve a subpoena for records at the XX/XX/XXXX about this person who deposited my stolen check, they did not respond. Without further information theXX/XX/XXXX closed the case. I engaged a Lawyer for guidance who wrote a letter to both banks quoting the legal statutes that they are ignoring pressing for a response or legal action will be taken. No response from either bank.
Company Response:
State: CA
Zip: 92058
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I want to repair my credit repair and get back on track
Company Response:
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was selling furniture on XXXX XXXX, XX/XX/scrub>XX/XX/2024, when I thought this person was buying the furniture. He sent me an electronic check on XX/XX/2024 to my personal email ( which I did give him ) for {$1600.00}, then I used my Chase bank app to deposit the check that same night. The check was cleared by my bank on XX/XX/2024, so I thought the transaction was legitimate. So he asked me to pay for the movers for him, since he had given me more money than I was selling the furniture for, which was {$1100.00}. He gave me the moving companys information to send the payment using XXXX. After investigating the check, it was a fraudulent check after all. I called Chase bank immediately to inform them. I had asked about my XXXX transaction to the moving company, the company does not exist. My bank does not help with fraudulent XXXX transactions, so Im at a loss for {$500.00}. The bank is also threatening to close or restrict my bank account. I have been with Chase bank over 15 years, and have multiple accounts. Ive never come across this before, and of course have Never knowingly tried to deposit a fraudulent check. That is why I called the bank the very same day it was cleared to inform them of the situation. Of course, the fraudulent amount of {$1600.00} has been deducted from my account, and so has the scam XXXX transaction of {$500.00}. The response from the Chase representative, the fraud claims department will investigate, if it is a fraudulent check, the amount will be deducted. You will also be reprimanded for this action. Your account will be restricted OR closed immediately. You will receive a letter informing you of their decision. We do not assist with fraudulent XXXX transactions. We can not refund or reimburse you for the money. Once the transaction is received by the other party, there is nothing we can do to further assist you. Yes, I did report this profile to XXXX about the scam. Is there anyone that can help me, please?!
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am aware of you using my credit file with Extortionate intentions to coerce And swindle me into paying violating 18 USC 894 and any employee handling This account can be held accountable for up to 20 years in XXXX and fined {$5000.00} I refuse to pay this alleged debt per 15 USC 1692c ( c )! As a Consumer I am not obligated to pay this alleged debt. Statements and contract Are not evidence of indebtedness. See XXXX concrete XXXX XXXX XXXX! I Will report your company to the cfpb in which they have fined debt collectors For using coercive intentions against a consumer! Secondly the language in the letter sent to me by Chase Card Services dated XX/XX/XXXX threatened to send the account to a law firm is abusive, oppressive and harassment the following conduct is a violation of 15 U.S. Code 1692d Chase Card Services may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt also The advertisement for sale of any debtto coerce payment of thedebt is a violation of 15 U.S. Code 1692d ( 4 ) also in the letter sent by Chase Card Services is advertising the sale of the alleged debt. Lastly The Letter sent by Chase Card Services have a logo on the communication and is a violation of 15 U.S. Code 1692f ( 8 ) Using any language or symbol, other than thedebtcollectors address, on any envelope when communicating with aconsumerby use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in thedebtcollection business.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Dear CFPB, My name is XXXX XXXX, I initiated the Balance Transfer on XX/XX/2023 from XXXXXXXX XXXX XXXX XXXX ( now they changed the bank name to XXXX XXXX XXXX ) to my Chase Sapphire Credit Card : - XX/XX/2023 : CHASE sent the CHECK to XXXX XXXX XXXX XXXX but the payment has never been posted to my XXXX XXXX Account. In the meantime, XXXX XXXX they transitioned from XXXX XXXX XXXX XXXX XXXX and my account has been changed too. Therefore, I assumed the payment has not been posted due to different account numbers so I called Chase to recall/cancel the Balance Transfer and I paid off the balance from XXXXXXXX XXXX by myself. - The first CHASE escalation ( Case numbers : XXXX ) : on XX/XX/2033 Chase sent me a letter via mail stated Our records show that your request to place a stop pay on the balance transfer of {$1600.00} was already submitted on XX/XX/2023. Please allow five to seven business days for the credit to post. The option to change the account number on the balance transfer check was not available. Then on XX/XX/2023, they sent another letter via the portal stated the Balance Transfer was completed and the payment was received by payee, so we are unable to cancel the balance transfer or request changes and advised me to contact XXXX XXXX instead. - Therefore, I called XXXX XXXX multiple times to inquire the Check which CHASE sent to them but they insisted that they have never received it. I spoke to the supervisor and she helped me to send the inquiry to their payment department with information Chase provided such as the Check/ACH numbers but they couldnt found it either. - The second CHASE escalation ( Case Numbers : XXXX ) created by XXXX on XX/XX/XXXX. I sent a secure message to request the copy of the Check then I called back on XX/XX/XXXX to get the update but no solution, I also asked XXXX from their payment department to see if the CHECK was cashed? He confirmed It hasnt been cashed yet. - I also sent the copy of the Check to XXXX XXXX XXXX to inquire if they have the Check by any chance. I received the letter and they stated its under investigation and would take up 90 days. - On XX/XX/2023, I spoke to XXXX from Chase payment department and found out the address on the Check was the headquarter of XXXX XXXX not their payment processing center so he sent an email to Chase Balance Transfer department to report it and created the new case numbers : XXXX. - Until now, theres no solution despite I called multiple times for the update and also sent the inquiries via secured message. - Hence, Im owing CHASE the amount of {$1600.00} plus 5 % fee which they posted on XX/XX/2023 and the Check they sent to XXXX XXXX XXXX XXXX XXXX XXXX ) seemed to be lost. I do hope CFPB can involve to help me to get my money back. Thank you in advance and do appreciate for your help.
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There were a multitude of fraudulent charges made on my credit card account. I contacted my bank, Chase, to file a dispute to have these charges investigated. My bank did waive most of the charges in my favor, however they insisted that some of the fraudulent charges were made by me. Their reasoning for this was " You received benefit from this transaction. '' I did not receive any kind of benefit from these transactions as they were not made by me. I've included the charges below. XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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: I placed an order on XXXX XX/XX/2023 in the amount of {$2600.00}, but I never received it. I contacted the merchant and I was unable to get this issue resolved. I waited 30 days as the credit card company requires, before filing a dispute claim. The claim was denied. When I asked Chase for the reason, I was told that the items were delivered and signed for. I was not even home on the date the items were delivered. I did not receive or sign for anything. I requested proof of signature and delivery documentation from the credit card company, but nothing was given to me. I also submitted my signature for comparison to prove that it was not I who signed for any package. Chase customer service said that the claim could not be re-opened and Chase has ultimately refused to help me with this matter.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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: Amazon.com XXXX XXXX : XXXX I returned my order to Amazon via the XXXX XXXX label they provided to me. I dropped off the package at the XXXX store, and the XXXX driver listed my return package. During this time, I have been contacting Amazon every week about the issue that the package is missing, but they never took any action. I then reached out to XXXX. According to the XXXX agent, they have a contract with Amazon, and every time there is a listed package, Amazon is the one who should report it to XXXX and receive the reimbursement from UPS. According to XXXX, they have already issued a refund or reimbursement check to Amazon for the lost package. However, Amazon refused to issue my refund, so the product that they reimbursed is now lost. In the end, Amazon agreed to issue my refund, but due to a system issue, I am unable to get the money. Amazon has refused to help me since then. Fortunately, I have all the evidence, including emails and screenshots, to prove my case. The missing package is XXXX XXXX, amount in ORDER PLACED XX/XX/2023, Grand Total : {$2500.00}
Company Response:
State: CA
Zip: 94555
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A