Date Received: 2023-11-16
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Hello, I am a chase custome and I received a lot of back pay from my job as an ( XXXX ) provider. My checks all came from the state of California. I received total of 15 checks. I deposited one check on XXXX XX/XX/2023 in the amount of {$370.00} through chase mobile around XXXX. They released {$200.00} and then the next day released the remaining {$170.00}. I then deposited another check on XXXX XX/XX/XXXX, early morning for {$2000.00}. They didnt release anything from that check, and then I later received a message that they were going to be holding it. ( the same day ) I then went to chase bank, inside the bureau to speak to someone and ask if I were to deposit my checks are they going to hold them. The lady explained that if I deposit the checks ( at the machine inside of the bank ) all I would have to do is call the number that would lift the hold on my checks and they would be released. I went to deposit all the rest of my checks. Which totaled to be {$28000.00}. Now, I understand that is a lot of money, but it coming from the state of California I have no reason to lie. My account is in good standing, no negative balances, no nothing owed, no fraud. I called them today, XXXX XXXXXX/XX/2023 ( the check holds ) department, & I spoke to one person who said that that they just have to call the bank that the state of california banks with to verify the checks. And I said okay, thats fine. They proceeded to call, the first time the regular representative was not able to get through, and when I called again, they were also not able to get through. The second person pushed me through to the higher executive and I was able to speak to a lady named XXXX XXXX thats how she introduced herself ) then she was able to call a few numbers and verified 3 checks ( because thats all the state of California verifies at a time is 3 checks ) she got back on the phone with me and told me she verified 3 checks, and she noted it to my account that I would have to call back 30 min to an hour to tell the regular representatives to call the California state controller, to see if they could get through so they can get my checks verified. She put it in her notes, and put all the numbers down so the other people could call and even made it easy for them to copy and paste. I got off the phone with her, then I called bsck like a few hours later. They called and couldnt get through and I said okay, called a few hours later. Same thing. I called in the afternoon, & some thing changed on the account ( all of a sudden ) the man told me that i have to wait the full 10 days for them to release the hold on account, and that it doesnt matter if they were verified, I still have to wait. I had specifically a no release code on my account all of a sudden.. and they could not escalate me to an executive no matter what for my checks to be released. They are definitely causing me hardship and putting me in a position that is causing me much distress, stress and anxiety! Chase bank is being very unfair and insensitive with how they switched it up on how they are handling my deposited checks. This is my money, its from the STATE OF CALIFORNIA. I need help, and I want to sue them for this. Please, help me.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is NOT THE SAME CASE OR DISPUTE Dear Chase Bank Customer Relations, I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the outcome of your recent review of the unauthorized XXXX transactions associated with my account, as detailed in your letter dated [ Date ] ( attached for reference ). Upon careful examination of your response, I must assert my disagreement with your findings and bring attention to critical aspects of this case that, in my opinion, warrant further investigation and reconsideration. XXXX. Lack of XXXX Agreements Upon Account Creation : It has come to my attention that, despite your assertions, I was not provided with the XXXX Service Agreement and Privacy Notice upon the creation of my Chase bank account. This omission is a clear violation of regulatory standards and hinders my ability to make informed decisions about utilizing the XXXX service. Regulatory Violations : Regulation E ( Electronic Fund Transfer Act ) : The failure to provide clear and accessible information about the XXXX service at the account creation stage is a breach of Regulation E, which requires financial institutions to provide consumers with proper disclosures. XXXX. Unjust Denial of Claims and Identity Theft : Your denial of the claims associated with my account is deeply troubling, especially considering the circumstances surrounding the unauthorized XXXX transactions. I would like to emphasize the following points : Lack of Visual or Biological Evidence : Chase Bank lacks visual or biological evidence linking me to the alleged unauthorized transactions. My phone was stolen, and despite providing a police report, I have not been afforded the appropriate consideration. Identity Theft Reporting and Regulation E : The denial of my claims without due diligence in investigating potential identity theft is a violation of both customer trust and Regulation E, which mandates financial institutions to promptly investigate and resolve unauthorized transactions. XXXX. Request for Evidence and Transparency : I respectfully request that Chase Bank provides me with the evidence used to deny my claims. The lack of transparency in this matter raises concerns about the integrity of the decision-making process, and I believe it is my right as an account holder to be fully informed about the basis for such denials. XXXX. Escalation and Regulatory Reporting : In light of the aforementioned issues, I am compelled to escalate this matter further. I intend to forward all relevant documentation, including the police report, to the Office of Comptroller of Currency ( OCC ) for their thorough review. It is my belief that the OCC will find merit in investigating the apparent violations of regulatory standards. Conclusion : I trust that Chase Bank will conduct a comprehensive reevaluation of the unauthorized XXXX transactions and address the regulatory concerns raised in this letter. I anticipate a timely resolution to this matter and the rightful return of the funds lost due to identity theft. I appreciate your attention to this serious issue and look forward to a prompt and satisfactory resolution. Please acknowledge the receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for its resolution. Thank you for your understanding and cooperation. Yours sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This notice is for JP MORGAN CHASE BANK for the following accounts XXXX and XXXX. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. CHASE can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. In CHASE terms and conditions they agreed not to share my information with non affiliates. XXXX is not an affiliate of CHASE and it is not a " bureau '' as they claim. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. CHASE must refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/, JPMorgan Chase Bank sent me a letter informing me they had restricted my checking account and credit card " to protect against potential fraud ''. They did this despite me filling out the form they had requested pertaining to my social security number. I filled out this form in a branch, with a banker, taking time off work to do so. Despite this, representatives from JPMorgan Chase informed me that they could not find the form they themselves had taken from me to enter into their database. I had to go back to the bank, to the same exact banker a second time, taking time off work yet again in order to present the same document and fill out the same form. This time, we learned that JPMorgan Chase bank employees had made a typo when they input my social security number during the creation of the account well over 10 years ago. Yet, despite JPMorgan Chase employees making this mistake and then losing the form they sent me to fix their mistake, it was me as a consumer that ultimately paid the price of massive disruption to my life, not to mention the significant stress of my bank accounts being frozen. Despite all of this, I received absolutely no apology beyond XXXX offered off-handedly by the banker. However, this is not the end of my problems with JPMorgan Chase. They sent another letter dated XX/XX/XXXX, that asked once again for my social security number. This letter was sent after my social security number was fixed in their systems and my credit card and checking accounts unlocked. I was asked to respond by XX/XX/XXXX, which is 6 days AFTER the writing of this complaint, which is XX/XX/XXXX. JPMorgan Chase has seemingly removed my savings account. It does not show up on my account page, and JPMorgan Chase 's customer service line representative gave me the number for their compliance team, yet advised me to call a different day because their response times are so slow. After contacting their compliance department, JPMorgan Chase informed me that they had closed my savings account permanently because my wife, who was added to the account, failed to verify her SSN. This is despite her going to the bank to be added to my account, and also despite never receiving an SSA 89 form to fill out. Even more disturbingly, the compliance team member confirmed on the phone with me that the letter asking my wife to verify her SSN was sent out XX/XX/XXXX, and the PERMANENT closure of my savings account was effected on XX/XX/XXXX. 8 days after the letter went out! The letter never even reached me, let alone grant me any time to do anything! I work compliance in a different regulated industry. These practices are entirely unacceptable. JPMorgan Chase did not perform a quality check on their initial account creation, which would have returned a different ( incorrect ) name associated with the incorrect social security number they themselves entered. They did not maintain a chain of custody of their own physical documents, which is how they lost the initial form I was asked to fill out confirming my social security number. They have now permanently shut down my savings account because they neglected to add my wife 's social security number to the savings account, then they sent out a letter asking for her to fix their mistake, and closed the account XXXX days after the letter was mailed!
Company Response:
State: OH
Zip: 45459
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently opened a business savings account and checking account with Chase Bank during the month of XX/XX/. All the requested paperwork was provided, and the business accounts were opened. It was then suggested that I apply for a Chase Business credit card, and I applied. Again, all necessary documents were provided, and they ran my credit, which happens to be around XXXX. Chase then mailed me a letter about possible identity theft and that I needed to call them and verify some information. I did that. I called them for an update and was basically told that the application was closed and that I should re-apply. I asked why and was given no answer. Why would I need to re-apply and have them run my credit AGAIN. This was done and I was told that I was verified. My reference number that Chase provided to me is XXXX. I could understand if they made a business choice to not lend to me but explain that. I happened to be in the top 10 % of credit worthy people and pride myself on having and maintaining excellent credit. To just say, apply again is not right or fair.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase Bank repeatedly places holds on my deposits for excessive amounts of time. This has only started happening in the last few months. I have had repeated paper check deposits from my employer into this account for the last XXXX years ( approximately ) with perfect account standings and never a bad check. Most of these holds ( dated below ) have been placed for over XXXX days unless I call to have them released. I understand a hold for a reasonable amount of time, but these are interfering with the way I do business and are unacceptable. XX/XX/23 Excessive hold on deposit XX/XX/23 Excessive hold on deposit XX/XX/23 Excessive hold on deposit It seems obvious to me that Chase is likely doing this to thousands of customers daily and earning massive gains on other people 's money. All three of these deposits have been large amounts ( as normal )
Company Response:
State: MI
Zip: 49525
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A credit card application was completed and a hard inquiry was made on XX/XX/XXXX by JPMCB CARD SERVICES and again on XX/XX/XXXX by JPMCB CARD SERVICES. At the end of XXXX I received a credit card in the mail " chase sapphire ''. I never applied for this credit card. I called chase and they cancelled the card.
Company Response:
State: IA
Zip: 520XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: Chase Bank has held my US {$5000.00} money for XXXX weeks. This was sent as a wire regrettably due to a single digit error I had entered in the receiving person 's account. The routing number as well as XXXX XXXX 's name and address were properly entered on the XX/XX/XXXX wire. I contacted my bank ( XXXX ) the following day ( XX/XX/XXXX ) when XXXX XXXX did not receive the wire. XXXX indicated my account entry error was noticed by Chase Bank ( XXXX ) and that the money would be returned. Last week, XXXX put in a formal request for me. From my call to XXXX today I am at the whim of Chase Bank. The reference number for the XX/XX/XXXX wire is XXXX. I called Chase Bank XXXX today XXXX pm XXXX XXXX. Chase Bank 's Representative " XXXX '' told me that since I do not have an account, Chase Bank will not help me. XXXX XXXX and I have lost the time-value of this money. This certainly was my mistake, but XXXX weeks over a single digit being a XXXX instead of a XXXX with the account 's correct name and address? This doesn't help with money velocity either. I do not have a Chase account. The person receiving the wire has the account
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: To whom it may concern, Since it required to be anonymous, I will use XXXX as my name. I am writing to file a formal complaint against Chase Bank regarding the closure of my debit card account without valid reasoning and the subsequent withholding of funds without proper explanation or evidence of alleged fraudulent activity. On XX/XX/, I received notice from Chase that my debit card account was closed, and they assured me that the remaining funds ( {$1300.00} ) in the account would be reimbursed via a check within a two-week period. However, despite multiple inquiries and follow-ups, I have not received the reimbursement or any clear explanation for the closure of my account. Furthermore, after a month of waiting, Chase informed me that my account was suspected for fraudulent activity, yet they have failed to provide any evidence or specific details regarding this claim. I have repeatedly requested evidence supporting this accusation and clarification on why my account was flagged, but to no avail. I have meticulously maintained my account and have statements that validate regular income deposits ( salary from a university ) and legitimate transactions made using my Chase debit card. My chase Credit score is XXXX and I am still using XXXX credit cards from chase now. I am willing to provide any necessary documentation to assist in the investigation of this matter. I am deeply concerned about the lack of transparency and the undue withholding of my funds by Chase Bank. I have made numerous attempts to resolve this issue directly with the bank but have been met with inadequate responses and unresolved promises. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to investigate Chase Bank 's actions regarding the closure of my account and the withholding of my funds without valid cause or evidence. I am seeking assistance in retrieving the funds rightfully belonging to me. I appreciate your attention to this matter and prompt action in facilitating the resolution of this issue. Please feel free to contact me at XXXX for any further details or information required for the investigation. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44224
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A