Date Received: 2023-11-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I went into the chase bank and deposited my third party ch check that was endorsed to me on the XXXX th of XX/XX/2023. The bank put a hold on the XXXX and said it would be cashed on the XXXX of XX/XX/2023 and my funds would be available. I waited and it was cashed and deposited in my account. The day it was released XXXX of XX/XX/2023 the bank closed out my account and is holding my money. I've called several times to find out why they will not give me my money. They said needed 3rd party to verify. The person called to verify the check and he gave them his number. They responded with they can't verify the phone number. The phone is registered to the third party. They said it isn't. Regardless the bank accepted the check and deposited and then cashed it then closed my account. This isn't right if they had a issue with the check they shouldn't have cashed it or put in my account. Now withholding my funds and closed my account.
Company Response:
State: CA
Zip: 90660
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XX/XX/XXXX at XXXX XXXX XXXX I deposited money at Chase Bank ATM The ATM malfunctioned ate some of the money and spit out some i deposited {$4300.00} but spit out XXXX And screen said Out of service and didn't give meReceipt and lost {$2500.00} I immediately went inside the Branch notified the Banker and explained to him what happened he said to me it happened to the other customer on Saturday and he will take care of it he tried to reach Credit card department he was un able to get some one at the time and it was late he said he would call me in the morning next day he called me next day they credited me {$2500.00} the amount the atm ate After one month the took the money back at XX/XX/XXXX and i went back to Branch and spoke to bank employee and they called customer service and again they put money back and credited the {$2500.00} And on XX/XX/XXXX they took the credit back and i called the credit department and they said talk to Branch manager and went to bank and spoke to branch manager he said he would escalate to fraud department and the will contact me. A week later some called me asked me what happened and she said should get back to me and she called me bank and she said nothing she can do go back to Branch mananer and see i f he can check the camera and i went back to and saw bank manager he told me he will call corporate security see if they can check the camera i called him and he said they need police report in order to check the camera i went to police station and spoke to officer and he told me is civil matter and they don't check camera and go back to the bank i went back to bank and bank XXXXnager was not there and i saw assistant bank manager and explained what police told me and she called chase security if they cant check the camera but they told her they needed police and manager said she will try to call the police herself and would get back to me any update And heard anything about two weeks today on XX/XX/23 i called the bank and spoke to bank manager he told me he cant do anything and he cant review the camera and i can go to court The gave me ran around for three month and they have my money
Company Response:
State: MA
Zip: 02144
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been solicited for the Amazon visa credit card multiple times. Today, I filled out the pre qualification form, and although I was pre qualified, decided I didn't want another credit card so never followed through by submitting the application. Within 10 seconds, ALTHOUGH I DID NOT APPLY, I received a notification indicating I was not approved. That means there's a hard pull on my credit reports which will lower my score just when I'm trying to rebuild my credit. I don't understand how this could happen ; perhaps a technical glitch in Chase Banks system? In any case, I can't reach anyone on the phone but am filing a formal notice of appeal to have this hard pull removed. Although I dislike having to say this again, but I did not submit an application for their Amazon credit card.
Company Response:
State: NY
Zip: 10040
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 am writing to bring AGAIN to JPMorgan Chase Bank NA and VISA attention a concern regarding a charge on my VISA XXXXXXXX credit card that was already disputed but with the wrong internal code. This is not a dispute for a difference in invoicing, this is an incorrect charge, not authorized and non-existent which should be considered FRAUD by the vendor XXXX XXXX as Im proving in this letter. I have the following letters from your Disputes department : - XX/XX/XXXX : Update on the dispute. - XX/XX/XXXX : Closing the dispute ( This was incorrectly disputed ). - XX/XX/XXXX : Re-open dispute and Researching charges disputed recently. I have also had several communications with your customer service department, at least seven times already in these last five months, the last one with XXXX at around XXXX XXXX EST on XX/XX/XXXX, who recommended re-opening the case via fax, so this time there should be no delay in resolving this issue. I have visited yesterday, XX/XX/XXXX, the Chase Branch in XXXX, XXXX and talked to the banker XXXX XXXX XXXX who has sent a fax with new documentation regarding this case. The fax claim number is XXXX and confirmation number is XXXX XXXXXXXX with a second fax with my credit card number as a subject with confirmation XXXX XXXXXXXX. This new information should be enough to re-open the dispute correctly, investigate about this FRAUD committed by XXXX XXXX with many other clients ( Around XXXX claims in XXXX only with 1-star rating and complaining about the same modus operandi of charging for unexistent damage ). On XX/XX/XXXX, I noticed an amount ( {$1000.00} ) related to a car rental by XXXX XXXX in XXXX, XXXX, while I was flying back to XXXX, U.S.A. I request your immediate attention to this matter. I am disputing this charge of {$1000.00} on my Chase VISA XXXX XXXX card , which the vendor informed me on XX/XX/XXXX it was related to damage to the rental car. The damage is attached in the pictures below. Im unsure if revising the pictures sent by fax will be possible, but I can re-send the originals if needed. The minimal damage in one rim from the front wheel was already there when I rented the car, and the other alleged damage in the front drivers door is just a black mark that was not there when I left the car, and it is not even damaged. Please BE AWARE that this is a common FRAUD/SCAM made by this vendor to their international tourist customers in their international credit cards ( the international customers have no protection from XXXX community laws ). The only protection we have is our credit cards reversing these fraudulent charges, and in this case, I have this protection from my CHASE VISA. REVIEW ANNEX I After several communications with Chase Customer Service and the new information brought to me by the rental company in XXXX, I tried to re-open the case. Still, I was unsuccessful over the phone, so Im sending this fax to re-open the dispute. Regarding the car rental, I would like to bring to your attention some important points ; none of the commonly accepted practices for car rentals was followed for this specific service since : 1.- The car given was not the car that I paid for ; instead it was a car with several damages. 2.- The Car had multiple damages when picked up from the XXXX XXXX XXXX The XXXX XXXX representative warned me of the several damages on this car and wanted me to upgrade the car and take their own insurance ( both options were double the regular cost of the rental, which makes no sense ). 3.- I noticed that the car had prior damage not ultimately noted by the XXXX XXXX company when I picked it up. The representative on the airports main floor made me sign an XXXX with the prior damage to the car ( only four items ) but NEVER sent this detail to me when I was finally in the parking lot checking the actual car. There was a BIG difference between the damage informed to me and the actual damage in the car. It was just so many scratches and bumps that it was impossible to note all of them. I was with my baby and my wife ; we didnt receive the details of the damages and therefore, we decided to leave. Before leaving, I attached multiple pictures to support this claim. No new damage occurred during my rental period, and you can refer to ANNEX II for further details. 4.- The car was returned a few hours before the due time, and the XXXX XXXX office was closed. I followed the instructions to leave the keys in the after-hours box. No final rental revision was made in my presence, the car had no new damage and I never approved or acknowledged any damage that XXXX XXXX charged. As previously stated, there was no valid reason to charge my VISA credit card USD XXXX. However, I did sign an EURO XXXX HOLD on my VISA credit card as the car rental service required, which is not unusual and is done to protect the car in case of collision. This was not the final charge but merely a hold. If I had not complied with their request, I would have been obliged to purchase insurance from them at a cost of over EUR XXXX during that time. It is important to note that no actual charge was made at that point. I demand an immediate reversal on my credit card for {$1000.00} to address my concerns. All relevant records have already been shared for your review. I reserve my right to take legal action against VISA U.S.A. IncXXXX or JPMorgan Chase Bank for the time I have spent resolving an incorrect charge on my credit card. Today, I am making a payment towards my VISA credit card. The payment is for the remaining statement balance after deducting the incorrect amount of USD XXXX. I expect that there will be no late fees or interest charged on the incorrect outstanding amount in the future. Your prompt attention to this matter is appreciated. I await your response promptly.
Company Response:
State: GA
Zip: 30342
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: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is a resubmission of XXXX XXXX The issues raised have NEVER been resolved by Chase Credit card service They do not respond or provide any resolution of the issues stated previously to the CFPB The CEO was contacted several times including XX/XX/XXXX ( letter attached ) *************************************************************************************************** XX/XX/XXXX via fax XXXX XXXX XXXX XXXX XXXX XXXX, CEO : PERSONAL AND CONFIDENTIAL Chase Credit card services XXXX XXXX, CEO : After almost 3 months/days have elapsed, I have not received a reply from anyone acting on behalf of your office to my XX/XX/XXXX letter/fax to your office, or XX/XX/XXXX follow-up request, ESPECIALLY, reply to any of the recurring lack of specifics on issues reported therein ( and commencing with approximately XXXX similar not-descript letters commencing in XXXX of XXXX o ( as documented throughout prior communications. ) I know you closed the XXXX credit card in the name of my spouse, blaming me, BUT, MANY issues raised WERE REGARDING communication for your division about MY CREDIT CARDS that initially were presented via the Chase messaging system personnel, And, in turn, the apparent lack of detail coming from them to your unit AND, subsequently the totally vague lack of details sent to me by your unit. ( as documented since XXXX of XXXX ). This appears to be a convenient means to avoid addressing the issues raised by me throughout communications, AND, a display of a lack of integrity and professionalism from a major bank ( and to a retired Chase bank officer ). Maybe, your office might deem it appropriate for someone to directly address the issues, Again, maybe not for me, BUT, for other Chase customers requesting assistance using the Chase messaging system/credit card units o the vague lack of detail letter issues could not be isolated only to me. A prompt response is requested. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX cc : OCC XXXX XXXX
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-12-04
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/XXXX Chase notified me via text of suspicious activity on my account from a XXXX merchant. In the text, it requested I review my transactions and report any that were not valid. After checking and seeing multiple charges from the same/similar vendors, I called to report the other purchases. I was told this would be included and removed. I received my new card. I checked to make sure the other transaction ( s ) were removed. They were not. I called, and was told they have this submitted and it will be removed in about a week. A week came and went and it was not removed. The other transactions had been, however. There was still a XXXX charge from this vendor that had not been removed. XX/XX/XXXX I called again asking about the credit. I was told this will be on the account the following day, XX/XX/. XX/XX/XXXX the transaction was still on my account. I called 3 times this evening. I continually was told the transaction credit was there. I was lied to, hung up on, they muted themselves, would not transfer me to a supervisor, and continually insisted I was not looking at the transaction history correctly. On the last phone call I asked for a way to submit a screenshot of what the XXXX is showing, since clearly if a credit is there there is a problem with their customer portal not pulling in the backend transaction tables. I took a screenshot before the 3rd call so I could assist them in researching their problem, since although I asked for a payment history on the first call I was hung up on instead. The last individual transferred me to their web support team to report this XXXX issue. When I was transferred, magically the credit now appeared. I have a screenshot prior to that last phone call that clearly shows the credit was not there.
Company Response:
State: NE
Zip: 68506
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48336
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I saw a hard inquiry on my credit report back in XXXX made by JPMCB on my XXXX and XXXX credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take 2-3 months for the inquiry to be removed by JPMCB, XXXX, and XXXX. I've recently removed the freeze from XXXX, XXXX, and XXXX. The changes haven't been made and it's been 5 months.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My name is XXXX XXXX. I have several accounts with Chase. I closed on my first home XX/XX/XXXX. I was required to maintain escrows with the servicer, Chase. At closing, the annual homeowners insurance was paid to XXXX XXXX ( a/k/a ASI ) for XXXX year for {$290.00}. It was my understanding that Chase would continue to pay taxes and insurance for me. I recently received an escrow analysis ( XX/XX/XXXX ). I was shocked to see that beginning in XXXX, my payment had increased by more than {$400.00} per month. Since Ive never had a mortgage before, I didnt understand why at first. In talking to my parents, I realized that my homeowners premium to XXXX was never paid and that a force place policy was purchased in XX/XX/XXXX for nearly 4 times the cost of my original policy, {$1100.00}. The escrow analysis also showed another payment for XX/XX/XXXX of {$1100.00}. As a result of the force place insurance, I had both an increase in expected escrow payments and also an escrow shortage. I called Chase on XX/XX/XXXX to see if they could correct the situation and get my XXXX policy paid and get the forced place insurance removed. They told me that they didnt have any contact information for progressive to pay them and that I would have to take care of it myself. I contacted XXXX and tried to get my policy reinstated but they were not able to do so. After checking other options, I established a new policy with XXXX, paid the premium and submitted the information to Chase and asked for a new escrow analysis. I then called Chase again on XX/XX/XXXX. They told me the analysis had been done but not released to me. I again asked the agent if they could help me to get the force placed insurance premium refunded and they said they couldnt help me. The new escrow analysis is still more than a {$200.00} increase. This is because of the shortage from the force placed insurance that was paid. As a new homeowner, I trusted Chase to take care of my homeowners insurance and cant believe they would take advantage of new homeowner like this and charge me almost 4 times more for it. I am sure they had the documents from closing to know who to pay, and as such a big company, I would think they could have contacted XXXX and gotten this resolved. I get a lot of junk mail and emails, so I didnt know to look for anything about the insurance being cancelled, I just assumed Chase was doing their job. I am requesting that Chase refund my escrow account for the difference of my original homeowners insurance policy for both XXXX and part of XXXX and reanalyze my account. This seems like more than a fair resolution for something Chase was supposed to take care of in the first place.
Company Response:
State: IL
Zip: 601XX
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: Banking errors
Consumer Complaint: My bank, JP Morgan Chase, removed {$1300.00} from my account claiming that one of my payroll checks was deposited twice, both mobile and the live check. The money was removed 3.5 weeks after my mobile deposit was accepted and the original check was destroyed. I informed Chase that there records were incorrect and provided definitive proof that a live check was never deposited. My payroll check was issued from XXXX XXXX. I provided Chase with the XXXX XXXX account statement that issued my check, which showed that there was only one transaction for the check in question. Still, this was not adequate proof for Chase to put my money back into my account. I was informed that a live check deposit always trumps a mobil deposit. They told me I had to open a claim at XXXX XXXX too, which my employer did. It has been 13 days since I first contacted Chase about their error. I have made phone calls to the customer support number on my bank card and to my local branch. Customer support has no record of my claim, and my local branch refuses to return my phone calls. I've asked for updats or documents and I've been told there is nothing they can give me. I was given a claim number on a POST IT note, but Chase customer support informs me that number is incorrect.
Company Response:
State: CA
Zip: 95667
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A