Date Received: 2023-11-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello I am following up on case XXXX. CHASE has not reimbursed me for the fraudulent check they accepted to pay and I have still not recovered my {$30000.00} All this is Chase fault, they paid the same check twice. Basically, anyone who creates a company with the same name of a company already existing and gets hold of a check already filled and signed and deposit to his bank will get paid even if the check was already paid 4 montsh prior? How can we trust such the banking system and such an institution if they fail to protect against very simple fraud like this?? Chase claims they are pending the response of the other bank involved but that is not answer as they went ahead and paid the same check a second time.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: FORMER Authorized user XXXX XXXX Still able to use this card. XXXX XXXX transaction is not mine from XXXX. what XXXX XXXX XXXXXXXX is going on?!
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I reached out XX/XX/XXXX because my accountant I was concerned about overdraft - {$250.00}. This is the first time I have been in a hardship and overdrafted. I received overdraft fees today XX/XX/XXXX which raised the balance of - {$350.00} three of the fees were reversed which brought it back to XXXX. It still puts my account in the negative. I still have no way of putting money in my account to turn it positive. I have been a loyal customer with chase for over 10 years and I have never had any issues. I reached out again explaining that a merchant had sent out a payment expected to be processed on XX/XX/XXXX they were unable to stop the payment. An agent through chase said she can do a stop payment but it would be a {$30.00} which still puts me in a negative. No one has been able to help me keep my account in good standing. Im about to start looking elsewhere to do my banking needs and banking business if this doesnt get solved. This is the only checking account I have on file and this is where my payments come out for my bills.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX I made a payment in the amount of USD XXXX from my XXXX account to the account of XXXX XXXX XXXX , XXXX under contract No. XXXX, opened in XXXX XXXX XXXX XXXX. JPMorgan Chase was an intermediary bank in this chain. On XX/XX/, XXXX was appointed in accordance with Presidential Decree No. 14024. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. We contacted OFAC and received a response : This is in reply to your request of XX/XX/. We can not locate a record of the funds described in your correspondence as being blocked. Please contact the bank that blocked funds to verify a blocking has occurred and that information regarding the blocking has been sent to the Office of Foreign Assets Control ( OFAC ) Compliance Division as required. The OFAC Compliance Division may be reached by phone at ( XXXX ) XXXX or XXXX and by mail at the address above. However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. We tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. The bank that blocked the payment is JPMORGAN CHASE BANK. XXXX XXXX did not fulfill the terms of delivery due to blocking. We ask you to unblock the funds and return them to the specified details : Beneficiary 's bank : XXXX, XXXX XXXX, Beneficiary account XXXX, Correspondent Bank of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In the XXXX and attachment, the response from OFAC
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: In XX/XX/2023 I login to my XXXXXXXX XXXX XXXX app to use it. I see red dots next to my profile and I click it. It says bank error. Need to login with credentials again.i have my Chase bank account and my XXXX account linked to my XXXX account. So I click on the banks option. Chase has the red dot by it. I click on it. My balance in XXXX. So I try to login and do my credentials. I was allowed to login however none of my bank info was there or and banking options like usual. I give Chase a call they tell me that my account was closed in XXXX I believe due to inactivity. I mentioned the money and was transfered 3 times. The guy final man I spoke with gets in the phone and says I havr great news I don't see XXXX XXXX dollars but you only owe XXXX than harassed me on when I was going to pay it snd ignored anything I said or asked pertaining to the reason i called. I spend the next couple days over the weekend trying to transfer money and such over and find any email or letter notifying me of the closed account .nothing. however there was an email from mint saying check your acvount for a sum of money deposited to my account. So I get the mint app and creat my profile. It automatically has chase linked to in thru XXXX. Also showing the balance of even more. It was XXXX, XXXX. I believe. Plus shows the deposit of XXXX something and transactions following that deposit. Leaving a balance of XXXX some odd dollars. Please help. I know the money is there. All they can say is the account is closed
Company Response:
State: OK
Zip: 73132
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I received a text message from Chase fraud asking if I attempted to withdraw {$400.00}, immediately I wrote back and said no not even a minute later. Looking at my account I saw {$400.00}, {$300.00} and {$1500.00} withdrew from my account unauthorized. I never made this request nor does anyone have my information. I physically have my card on me, however, I saw that an unknown computer logged onto my banking account against my will and was told that they made the ATM request though there. Attached is the text message of me telling Chase that I did not approve this charge and a screenshot of the unknown computer. A temporary credit of {$700.00} was refunded to me, however, this was taken aback by Chase and as a result my bank account is now negative.
Company Response:
State: NJ
Zip: 072XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a paycheck by mobile deposit on XXXX and was told that funds will not be available until XXXX I have contacted Chase several times and gotten conflicting information. I have been with the bank for 3 years and have deposited payroll checks both by mobile deposit and direct deposit.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a long-time customer of Chase Bank . Someone was able to access my bank account and information through a stolen phone and made over {$4000.00} in withdrawals, including making direct calls from my number with Chase regarding these withdrawals. Chase should have recordings proving that the person was not me and they were not authorized by me. They continue to claim that it was same device and login, so are considering over {$3000.00} as " authorized ''. They are also referencing an incorrect date that the login was used, which is not possible given the timeline of events. Double withdrawals were also made, and incorrect changes were made back on my account. ( Fraudulent withdrawals were made on XX/XX/23, but Chase claims XX/XX/23 ). I have provided multiple documents to them, and they have not done anything to return my money to my account, including : 1. Police Reports ( both XXXX and XXXX ) 2. Phone records from XXXX XXXX XXXX showing calls made with Chase NOT made by me 3. Screenshots of XXXX XXXX withdrawals done with my Chase account 4. Screenshots showing I reported the IMEI number as stolen to XXXX XXXX XXXX ( which they requested ) 5. Explanations of their errors in processing the withdrawals I have provided all documents they requested, and they keep saying " you can provide more documents '', but won't say what else I can provide. I have been cooperative, reported every fraudulent charge same-day as soon as I was able to, spoke with several claims dept. agents, and more. They also send they would provide the reasoning for considering it " authorized '', but have still not provided it. If I have done everything they ask to reverse the unauthorized charges, I don't know what else I can do. They need to be more clear in what I can provide, or actually utilize what they ask me to provide to them. This is an entire month 's salary that has been withdrawn, and all factors indicate these withdrawals are not normal behavior for my account and should have been protected.
Company Response:
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I contacted Chase early XXXX regarding a credit in my account for {$110.00}. They sent me an email on XX/XX/2023 that states " we have sent you a payment ''. The choices to collect the refund were click accept money and continue on to create an account or let the email expire for 4 days then they will send a physical check to my address. I waited for a month, no check arrived. I called on them on XXXX XXXX, XXXX, the person that I spoke asked to verify the address, it matches their record. She said she will send me the same email and to not do anything with it, this way the paper check will be mailed. It is XXXX XXXX and I still no check. Please help. Thank you.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit report is showing a 30 day late payment for a car payment with Chase Auto Finance. However, it was the time the car was traded in at XXXX XXXX XXXX. This must have been a bank error to write off the check for the remaining balance. Now I am paying for XXXXXXXX XXXX repercussions.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A