Date Received: 2023-11-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am trying to find out why Chase is holding my funds past the law that is provided by the government on check deposits. They repeatedly tell me they can hold it for 7 business days because they feel like it. It has now been 10 days ( 6 business days ) and still they will not give me access to my funds.
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX has been providing, submitting, and disclosing incorrect/inaccurate info : for sometimes now from, XXXX XXXX XXXXXXXX, up until presently ( XXXX )! What's differently now is this : I had recently opened a credit card acct, with XXXX XXXX! That decision alone didn't set, so well with XXXX, and more certainly not with JPMCB-CARD SERVICES neither! So therefore they ongoing dysfunction, and simply perjury has increased big time! All this is playing out, under their third-party vendor platform XXXX XXXX XXXX XXXX XXXXXXXX XXXX tells, and authorizes XXXX XXXX to do, say, show, and displays! Then you best to believe it ; they wasted no time, doing just that without question! As a result of JPMCB, and XXXX XXXX connections/partnership in some capacity! It has caused the following : I had to close my acct, with them prematurely, and voluntarily, and XXXX on the behalf of JPMCB-CARD SERVICES had conspired, to caused unnecessary discrepancies, Inaccuracies, and confusion to my credit report/score!
Company Response:
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Dear Sir/Madam, I am writing to lodge a serious complaint against Chase Bank regarding the disturbing and unjust treatment stemming from the sudden freeze of my account and the subsequent denial of access to my funds. Since XX/XX/2023, I chose Chase Bank for my financial needs and diligently deposited a substantial sum, totaling over {$100000.00} in the months following. However, the morning of XX/XX/2023, brought unwarranted shock and dismay when I discovered that my Chase bank account was inexplicably locked without any prior notification or explanation. For days on end, my attempts to contact the bank manager, XXXX XXXX, who was instrumental in setting up the account, were fruitless. Email inquiries similarly yielded no satisfactory responses. It was only after persistent phone attempts that I was informed of the account closure, an action undertaken without reasonable grounds, as XXXX XXXX was unable to provide a coherent justification. The subsequent quest for resolution or an understanding behind this abrupt closure proved futile. Chase 's customer service offered no transparent explanation despite numerous efforts on my part. Repeated promises of a check being sent to me were made, yet to this day, no such remittance has been received. Frustration mounted when my visit to a local Chase Bank branch in XXXX XXXX, XXXX XXXX, resulted in vague responses and further delays. This prolonged ordeal has caused iXXXX XXXX XXXX XXXX my ability to cover basic necessities and daily expenses. Moreover, I must emphasize that I am a long-standing and loyal client of Chase Bank XXXX I have entrusted Chase Bank with my investment portfolios, including stock trading and financial planning. All my financial transactions and requirements were, until this unwarranted incident, completed through Chase. For a loyal and dedicated client as myself, I am astounded by the treatment meted out by Chase Bank, causing undue XXXX and XXXX. Despite my persistent communication through calls and emails, Chase Bank has displayed a glaring lack of initiative to resolve this issue or provide any form of reparation. The financial and mental duress incurred due to the sudden account freeze and closure has forced me to seek financial aid from friends and family, significantly jeopardizing both my livelihood and credit standing. I implore the overseeing regulatory body to thoroughly investigate this matter and prompt Chase Bank to expedite a resolution, reinstate my account, and reimburse the full sum owed. Furthermore, I demand a fair assessment of this situation and due compensation. The inconsistencies in Chase Banks communication, specifically their claims of sending a check which remain unfulfilled, exemplify their negligent approach towards addressing genuine customer concerns. These actions have left me profoundly disappointed and distressed by their insincere responses and ongoing delays in resolving the issue. If you need additional XXXX details that may aid in expediting the resolution include my account number, debit card number, my birthday and my name, please let me know. It is important to stress that all the funds held in my account were lawfully earned and stored, making Chase Bank 's refusal to communicate or provide a clear rationale for this account freeze wholly unjust. Yours sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Good afternoon again I am writing an concerns to my identity. I have contacted the company three times I did not make the inquiries that are on my credit report. The company Ive called them Ive given my information, and they even stated that whoever was using my identity was using my maiden last name, I have been married for over eight years now. The inquiries were made in XXXX and XXXX. Please have these inquiries removed off my credit report immediately. JPMCB CARD. XX/XX/XXXX JPMCB CARD XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX They are showing on all three credit bureaus again I have contacted each of these companies and each have said that they would remove them. As I said today, they are still showing up as inquiries. I also had a security freeze put on my account so I dont even know how these were able to even get through.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX at XXXXXXXX XXXX I received an email from chase stating my account is past due. I immediately got concerned because I always pay all my bills on time and in full each month. I tried to log on to the chase website but had to get a new password because i hadn't used the online option in years. I finally got on the website and was able to print the last few statement but they were only interest and fees no actual purchases. i called them the next morning was on the phone with them for hours. I was told by an employee XXXX that they see someone change the address in XX/XX/XXXX I was asked to hold on she came back on the line after a long wait and told me they changed the address because they say fraudulent activity on my account and tried calling me many time to let me know with no answer. I DID NOT CHANGE THE ADDRESS back in XXXX like they are now saying. I did request they use my current address going forward I sent them {$270.00} that same night I saw the past due email not knowing what that amount was even for. In XXXX Chase changed my address to XXXX XXXX XXXX XXXX XXXX NJ XXXX I have not lived there since XXXX. I was not getting my statement and had no idea I was past due.After an hour on the phone and their story changing about the address change I decided to closed the account. I asked for all my statement since XXXX to be mailed to me. I was told they would and they DID NOT. TODAY I received was a XXXX statement showing more interest and more fee. I have excellent credit this is so wrong for them to do to people. shame on Chase.
Company Response:
State: NJ
Zip: 07055
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
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 was an victim of Fraud since XX/XX/2022, I informed Chase bank fraud department to where they only took initiative to credit half of the charges to which theyre trying to make me pay for the other half that was fraudulent. Ive been sending them documents proving Im a victim for over a year to which they keep denying and stating the charges are valid. I dont understand if Im the victim and been sending proof why are the charges still valid? Ive sent over police report, including other documents from other credit card companies showing proof as well.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
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 would like to appeal the decision for claim # XXXX. When I called to change the date it was within hours of my online reservation. I was told I had XXXX hrs to cancel. I was told XXXX would provide me the resorts answer within XXXX so I could cancel if they wouldnt agree to change the date. XXXX did not contact me with an answer within XXXX hrs. When they did contact me it was to tell me they were escalating the issue. My credit card was charged for the XXXX package a total of {$5900.00}. On XX/XX/XXXX I received written correspondence that the hotel would give me 60 days to change the stay date and to call them if I wanted to change the date. XX/XX/XXXX, I called to change my hotel date per my written correspondence. The rep said she needed to change my flight first but since its now over XXXX hrs ( because they didnt contact me in time like they said they would ) I would have to pay a change fee and flight difference. I said okay but you are changing the resort stay dates, too? Yes, flight first. She changes the flight and charged me an additional {$120.00} per person ( {$250.00} ). Then once completed puts me on hold and says she cant change my resort days. So now I have mismatched resort and flight days. I ask to talk to a mgr and the rep said she would escalate this for me. XX/XX/XXXX I receive written correspondence that says they cant change the resort day even though 4 days prior the written correspondence says they could and I had 60 days. I called to chase to dispute and was told I could only dispute the resort even though it was a package deal. I was provided with a temp credit for resort only ( {$4700.00} ) because although this was a package deal XXXX charged my credit card individually for flight and resort ). XX/XX/XXXX I received an email stating XXXX is canceling my resort stay. XX/XX/XXXX I receive documentation from chase I lost my dispute and needed to pay the credit I was given ( $ XXXX-resort charge only ) .I paid it. Saturday, XX/XX/XXXX I call XXXX to confirm my dates since chase said I couldnt dispute the resort and made me pay it. The report said I had been canceled and did not have a reservation. Saturday, XX/XX/XXXX, I called XXXX they told me because of my credit card dispute they canceled my package # XXXX which included my flight and resort. I asked about the refund and they told me they had already refunded my bank account and they couldn't tell me anything else because it was with their accounting department. On Monday, XX/XX/XXXX I called Chase to dispute the department, and a very rude male representative told me that they didn't have any credit or gas and they received any money. He went on to say it was my fault because the trip was nonrefundable. I told him I never asked for anyone to cancel anything. My only request was to correct my hotel dates to match my flight dates. It was not my fault to ask them to change the trip date by one day when I had received written and verbal confirmation they could do this within 60 days. I called the very same Day and was told they had to change my flight first and charged me an additional {$120.00} per person. Then didn't change my resort dates like the written communication stated. Furthermore, they canceled my resort and flight without my request. Now I'm out {$6200.00} and I don't have a flight or resort for my XXXX wedding anniversary. The gentleman said there was nothing he could do. I told him I had written correspondence that they canceled and refunded my resort. He said to send in the email. I did. On the evening of Monday, XX/XX/XXXX I called and spoke to a manager. She gave me a temporary credit for the original flight charges and opened a dispute because the flight was canceled without my knowledge and I hadn't received a refund. She told me I would have to write in for the {$250.00} ( {$120.00} XXXX ) charge because I was charged additional money for the flight that was canceled without my knowledge, or consent. She said she couldn't do anything about the resort. I would have to wait XXXX hours after I submitted the email that showed they canceled the resort and said they were refunding my original form of payment. I have been battling this horrible experience since XXXX. I paid the money to my credit card immediately after my charge and have been without the {$6100.00} and without a vacation. No one cares and just blames it on me or XXXX. I'm pleading for someone to make this right. I've saved for a Long time for a XXXX wedding anniversary vacation and have only had heartache and been without my hard earned money.
Company Response:
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a XXXX $ check and they restricted my account and Im unable to use any funds from the account. They say they were unable to verify my check from the phone number in their system.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
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 purchased a flight ticket on XXXX XXXX on XXXX and cancelled the purchase on the same day. Based on the company 's policy, I will get a full refund within XXXX business days. I don't see anything happened on my account a week after, so I contacted Chase Travel. The supervisor looked into this issue, and told me that they will expedite the refund via the dispute I filed on this transaction, and I will receive the credit within XXXX business days. I received a email from her as proof. Now it has been over 15 days since I cancelled the purchase, and nothing has happened on my account. The agent from card member department also told me that there is no note on the transaction I disputed, which means that the supervisor has lied to me. I tried to contact chase but they kept throwing me to other departments or cutting the line when I am waiting for their response.
Company Response:
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23, there was an unrecognized XXXX transaction made on my chase account to an unknown individual. Since I was still a minor at that time, it was under mine and my mothers ( XXXX XXXX ) name. We called chase and they spoke to my mother and a claim was filed. On XX/XX/23, I got a notice letter stating that it was authorized therefore a refund couldnt be provided.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A