Date Received: 2023-11-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I received a letter from Chase XXXX XXXX XXXX XXXX, OH XXXX. This letter advised me that due to recent activity, they restricted my account. I was asked to call XXXX to see if they can address the issue. I called and was told my account was compromised. On XX/XX/XXXX I received another letter confirming that I did not open another account in my name and referred my account to the fraud team for review. On XX/XX/XXXX my account was removed from the web site. My debit card was terminated. I called Chase once again and they kept me on hold and eventually the line was disconnected. I called again and they refused to give me information regarding an investigation. On XX/XX/XXXX I received another letter from Chase indicating that I must call Chase about my online account access. They indicated that they locked my online account access to protect me. I was told call XXXX to unlock access. When I called, they told me that I must go to a local office. I went Chase XXXX branch and was told that my funds from my old account would be mailed to me in 5-7 business days. After two weeks I had not received my funds. I called Chase at XXXX XXXX and was told that my funds were suspended until the Team completes their investigation. I am a XXXX XXXXXXXX XXXXXXXX XXXX XXXX and was unabe to receive my XXXX XXXX XXXX XXXX XXXX coming home for XXXX XXXX. I am very angry.
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My business account overdraft fees from chase bank business checking account XX/XX/2023 OVERDRAFT FEE FOR A {$32.00} ITEM - DETAILS : ORIG CO NAME : XXXX XXXX ID : XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX XXXX : WEB TRACE # XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Fee - {$34.00} - {$270.00} XX/XX/2023 OVERDRAFT FEE FOR A {$13.00} CARD PURCHASE - DETAILS : XXXX XXXX # XXXX https : XXXX. MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$240.00} XX/XX/2023 OVERDRAFT FEE FOR A {$12.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$200.00} XX/XX/2023 OVERDRAFT FEE FOR A {$11.00} CARD PURCHASE - DETAILS : XXXX # XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$170.00} XX/XX/2023 OVERDRAFT FEE FOR A {$76.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$270.00} My Personal account overdraft fees from chase personal business account XX/XX/2023 OVERDRAFT FEE FOR A {$14.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$230.00} XX/XX/2023 OVERDRAFT FEE FOR A {$50.00} ITEM - DETAILS : XXXX XXXX XXXX PAYMENT XXXX ID : XXXX Fee - {$34.00} - {$190.00} XX/XX/2023 OVERDRAFT FEE FOR A {$150.00} ITEM - DETAILS : XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$160.00} XX/XX/2023 OVERDRAFT FEE FOR A {$80.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$130.00}
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A while back I thought emails regarding a chase bank XXXX XXXX were spam emails. However, sat XX/XX/23 I received a new XXXX account and XXXX in my mail. I called chase to ask about this request and who ordered it. No information was given
Company Response:
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been a customer with chase bank for over 20 years and more you bank with them their customer is getting worst and worst under the leadership XXXX XXXX and so-called XXXX customer care team. XXXX customer care service is lousy and XXXX of the worst experiences ever. Chase bank doesnt let customers dispute charges made on XXXX XXXX credit cards. Once you log on to the online banking there is an option called dispute a charge. Once you try to dispute a charge, they asked you to call customer care number. Once you call the customer care, they will send you a text to the phone to dispute charges. Once you click on the link and try to dispute the charge, they will ask you to call customer service number. It is a ping pong game and no body from customer service team dont pick up the phone to make it extremely harder to dispute a charge. I rented the car from budget and the sales pressure was high to purchase a XXXX XXXX XXXX and I told the rep at the counter that I am staying close to XXXX and asked how many XXXX XXXX that I had to go through in order to get to my hotel and the answer was many and I ended up buying the XXXX XXXX for 7 days and on the way to the hotel I realize there are no XXXX XXXX on the way. I called the budget customer support following day to cancel XXXX XXXX purchase since there are 7 days left and to my dismay, they told me that I must return the car to cancel the XXXX XXXX XXXX purchase. Not sure why you need to return the car since there is an alternative option to pay only if I go through a tXXXX XXXX and under the heavy traffic in XXXX, I didnt want to go to the XXXX to return the car to waste my precious time. Rep at the counter was not honest with me and they didnt cancel the purchase following day asking me to return the car.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Chase Card Services Attn : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Internal Revenue Service XXXXXXXX XXXX XXXXXXXX Subject : Suspicion of Tax Fraud. Referral Report of Tax Fraud Information - Form 3949-A Acct. Ending in XXXX I am writing to bring to your attention a matter concerning my tax reporting for the year XXXX. I have not received a 1099-C form from Chase and I believe this may indicate potential tax irregularities. I have not received a 1099-C form from Chase despite anticipating one due to Chase reporting acct. ending in XXXX as a charged off account to my credit file and having requested Form 1099-c several times through disputes. This has raised concerns regarding the accuracy of tax reporting. Due to this account reporting to my credit file as a charged off account and my request for Form 1099-c being ignored and unfulfilled I would like to report this information to assist in ensuring the integrity of the tax system. I believe there might be discrepancies that warrant further investigation. Exhibits to submit to IRS Form 3949a which is currently filled out ready to submit. CFPB complaint XXXX filed to Chase on XX/XX/XXXX. Chase response dated XX/XX/XXXX which states the company never issued Form 1099-c for credit card account ending in XXXX. The company states the account was charged off XXXX XXXX, XXXX. CFPB complaint XXXX filed to XXXX on XX/XX/XXXX. XXXX company response is on the complaint. CFPB complaint XXXX filed to chase XX/XX/XXXX. In the complaint I mentioned the account being charged off and how it needs to be reported as taxable income for the consumer. ( I need form 1099-C to accurately report to IRS. ) Chase marked the complaint as duplicate. A letter addressed to Chase with the point of contact being the CFO. This letter states the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that Chase send Form 1099-c to the address listed in the letter. The Chase response letter which is attached to complaint XXXX is included.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 I submitted a mobile deposit. It was received on the XXXX and said it would be available XX/XX/2023. So I called Tuesday, XX/XX/2033 I wanted to check why was the check on hold and then was told by a guy who worked for Chase said my account was suspended. I did not understand why they decided to suspend my account and not tell me. I believe it was very wrong that they suspended account so that I could not use my money. The XXXX man who I spoke to on XX/XX/2033 told me that the check was more than what I make so they thought me depositing {$3000.00} was suspicious and it was my first time making a mobile deposit. Since they suspended my account, they affected me from getting paid today, XX/XX/2023. So I did not get my check nor did I get my pay from my job all because of Chase holding my funds. I am unable to pay bills and pay for groceries because of Chase.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: When we applied for a home equity loan with our credit union we were denied because a title search showed we had a Texas XXXX XXXX XXXX XXXX XXXX done in XXXX. What we actually did in 2020 was, we took advantage of an offer from our home lender Chase to do a refinance for a lower interest rate. This should have been recorded as Deed of Trust, as we did NOT take any monies from our equity. We have had conversations with our state/county recorders office, and were advised that Chase needed to correct the error. We contacted Chase customer service and they forwarded our complaint to Chase Escalation Office ( after several complaint calls ) for review. It has been 2 weeks since we have started this complaint, and have zero answers. At first Chase wanted us to refinance and that would get the issue off our title. Taking our interest rate from just over 3 % to 8+ %. We have called many times to get updates on this issue and each call is forwarded to a different individual and our story has to be retold each and every time and the answer has always been the same... Chase is investigating. As it stands we have had 2 hard inquires on our credit and have received 1 denial letter from our credit union, not to mention our equity is locked, at our advanced age is very scary. Please help.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have pulled up my credit report and found some private information. Such as my consumer transactions with creditors as well as hard inquiries and accounts in collection. I never opted in to have my information shared. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX my debit card was used to make two identical unauthorized charges of {$120.00} each ( total {$250.00} ) at a XXXX at XXXX XXXX XXXX When I noticed then I flagged them and started a fraud claim with my bank. They put temporary funds back in my account while they ran an investigation. Recently I received a letter stating that this temporary funds would be reversed because their investigation had concluded that this were in fact valid charges. When I called to question this I was told that because this were both swipe and pin charges there was nothing they could do and were in fact valid. My card has been with me the whole time and I do not live any where near XXXX, I live 4 hours away. They stated that unless I have documentation stating I was not at XXXX on the day of the charge there is nothing they can do. Oh and that they had sent me a text to my phone flagging this charges as fraud and I had approved them. First of all, I never received such texts nor did I approve. Second of all I was home most of the day because my XXXX were sick and only went to the grocery store in the afternoon to make a purchase ( approximately 6 hours after the fraudulent charge according to the representative ). How do I prove that I was home most of the day and never left the city where I live. And finally, its been well documented that in fact scammers can clone your card and steal your pin to use it, so this is not an excuse. Just looking at my transaction history you can see I have only been near XXXX once in my life on a trip back in 2020 to XXXX but there is a trail, why would I go specifically out of my way 4 hours away from where I live to make two identical charges of {$120.00} each at a XXXX none the less ( this should be suspicious enough ) and then come back to where I live and make a smaller charge at a grocery store.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I paid a bill on the XXXX XXXX XXXX website as they use this service to pay medical bills. XXXX took the money out of my Chase Bank Account and never paid the provider. They only recently notified me that XXXX was not set up for automatic payments so they claim they sent a paper check, but no paper check was received either. My account at XXXX was never credited and they have still not received payment, I am demanding the return of my money from XXXX. I NOTIFIED CHASE BANK, XXXX XXXX XXXX AND NOW THE CFPB OF THIS SCAM,. Transaction details Close transaction details ACH debit - {$25.00} Transaction date XX/XX/2023 Posted date XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A