Date Received: 2023-11-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: on XX/XX/23 at XXXX I looked into my bank account to check my income check deposit which was received but noticed a discrepancy in my income check. later that same morning once logged back into my account to verify my income deposit to see if there was an adjustment I noticed my account was now in the negative. I immediately called Chase and informed them of the discrepancy of my account and demanded an explanation, and at that point they immediately locked my account and was unable to see any of my account information or statements. I spoke with claims and the fraud department and I also went to the bank to speak with a representative directly to understand what happened. After calling multiple times over a week I spoke with the fraud department who told me that they have closed my account and they sent information regarding four checks that were deposited remotely somehow, falsely. They also made false claims of action of past transactions that were requested from other creditors to be refunded back to my account. After all there claims were done they took all my money in my account and stated they would send me a balance of what was left if any, and check of {$290.00} would be sent to my home. Estimated prior balance : {$1000.00} one checking account, 2nd Checking account {$1300.00}, Payroll deposit {$1100.00}, second income payroll deposit correction was added {$310.00}
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I got several calls from Chase XXXX XXXX business relation XXXX XXXX XXXX XXXX for CD promotion rate 4.88 % and thinking about opening it if they can do DocuSign for signing up this product. I cancelled the plan to open because Chase can't do it the same date XX/XX/ we schedule for a Zoom meeting. Without any documents given to me, signature of any forms from me, the new CD account was open without my authorization nor acknowledgement. We then got a letter in the mail saying our account would be restricted then closed soon if we don't sign the documents from Chase. XXXX I wrote an email to Chase XXXX XXXX to escalate the issue seeking for help when I were on the trip overseas and ask for postpone on the account restrictions and closure. I didn't get a positive resolve, then I wrote a compliant to CEO 's email get a reply from XXXX XXXX XXXX Till today, Chase hasn't done anything to investigate what happened nor resolve the restrictions they threaten to us then closing our account of their mistake. I was told over the phone Chase can't start looking into it if this case is not resolved XXXX with XXXX, XXXX XXXX
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: In XXXX I applied for housing is key a government program that helps with back pay on rent and I was living at XXXXXXXX XXXX XXXX XXXX XXXX XXXX I got an email somewhere in XXXX around XX/XX/XXXX telling me that I was awarded a check for {$9200.00} and it was sent to my address on file and I called them up to ask them to change that address and they told me that the check was already dispersed which means that somebody had a cashed it or attempted to cash it and so I went to the address on file and I asked the people there if they knew anything about this and they told me that they put the check out to go to back to the USPS mail and that they've noticed that somebody may have stolen. So one of the tenants tells me that there is possibly a male subject that may have stolen it there that may have cashed it at a Chase Bank so I called Chase bank and they confirm that somebody did and that they were going to stop payment on it but they did not.. after I told him the check was fraudulently cashed and that I did not sign it they still continue to let that person have the cash go in the bank and take it out I confronted the teller and the teller told me that she's not the fraud department I have to take it to the parking lot and call up the fraud department and talk to them about it but that she couldn't help me at all. I also reached out to the government agency that provided me the check and I asked them to also look into it but I have not got a response All I got was the customer service lady told me that they would get back to me within two days and I haven't heard from them since.
Company Response:
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: Through JP Morgan XXXX I sent Bill pay to my homes XXXX XXXX. They cashed the check on XX/XX/2023 and never applied the credit to my account. I contacted Chase. Filed a dispute. They were directed to email me an Affidavit. They did not and reversed the original credit XXXX days before they said they would be. I contacted them again and finally got affidavit emailed. I filled it out with supporting documents and faxed back to Chase. No response for a month. Finally after XXXX calls and subsequent dropped calls I'm told my Affidavit needed to be faxed to a different number. Yesterday I was transfered around and after over an hour on the phone it was dropped. Called again today. Asked for them to call back if it's dropped. They did not. They send a secure message through my account that I close it for fraud. It was not fraud. The company did not post my credit. I called Chase again, after XXXX min. And me asking again for call back if dropped call is dropped no call back. I shouldn't have to wait XXXX days. It's already been XXXX days and they better not close my account. Worst bank in the world.
Company Response:
State: CA
Zip: 92173
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was affected by the XX/XX/23 ACH error that caused direct deposits not to post. I reached out to the bank on XX/XX/23 and XX/XX/23. Both days I was told that there was nothing that needed to be done on my or my employer 's part and they expected to have the issue resolved by the end of the business day on XX/XX/23. I asked if they were XXXX percent sure there was nothing my employer needed to do, and they responded, " Yes. '' I called this morning ( XX/XX/23 ) and was told my employer would need to resubmit the payment, after being told otherwise the previous two days. I insisted that they credit my account for the amount of the deposit which I was willing to verify with a digital paystub. They refused. Throughout this entire process, I haven't receive one email, phone call, or notification in my account portal regarding the issue. I had to reach out proactively, and they gave me incorrect information about what needed to be done to resolve the issue. I still haven't received my payment, and due to the bank holiday on XX/XX/23, I have no reason to expect my deposit will post before Monday, XX/XX/23. JPMorganChase has spent more energy evading accountability for the human error at XXXX ( which they partially own ) than working to resolve this disruption to consumers ' lives. If I had been contacted or, at the very least, received accurate information when I contacted them on XX/XX/23 and XX/XX/23, this could have been resolved by now. The ACH error is unacceptable, but it is not my primary complaint. JPMorganChase 's response to issue has been completely inept, flat-footed, and dismissive. They have been sure to highlight that *only* 1 % of deposits were affected. Since this was such an inconsequential number of customers, they should've had a process ready to temporarily credit customers during this extended and ongoing failure to meet their obligations. They should also have fund available to compensate consumers, like me, who have had their ability to meet their obligations undermined by this error and the inept response in the days following. If nothing else, I hope the CFPB can put in place policies to prevent consumers from experiencing what I have and hold banks and clearing houses accountable in they same way they hold consumers accountable for late payments.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On the night of XXXX XXXX XXXX I attempted to open a brokerage account with Chase. The online process was halted stating I need a personal product to apply for a Chase brokerage account. At the moment, I only have a Chase business account. I applied for a Chase Personal Checking account with my credit reports frozen as usual. During the process it stated I need to unfreeze my reports. It stated I would need to provide my SSN for verification/identification. It stated that I would receive a SOFT pull on my credit report. Attached are XXXX screenshots showing this is as I stated. Instead, I received a hard inquiry to last XXXX years on my report. I called XXXX and they said " call Chase. '' I called the Chase number on the credit report, I was transferred to XXXX. The line was choppy so she gave me a direct number and I called again. Second agent ( lady ) asked how I obtained the direct number. She then transferred me to credit bureau rep. The rep kept mentioning a credit card even though I said I don't have a Chase credit card and did not apply for one. He said, " Ok I'll transfer you to card services. '' I asked why when I don't have a card and he said, " That's where my system is telling me to transfer you. '' He transferred me to card services. Card services said they couldn't help because they only work with cards ( huge surprise ) so he transferred me to the credit bureau team again. By now I'm asking every rep who transfers to please make sure I'm going to the right place. Want to guess if I was in the right place? Well... I was then transferred to the regular Chase customer service by the credit bureau rep who promptly stated he couldn't help me. I explained the horror I've type thus far and like the XXXX previous reps he stated " no worries, I'll call a branch and speak to the manager directly to make sure you are in the right place and can be helped. I'll explain your situation then pass you off. He didn't. He blindly transferred me to the XXXX XXXX branch location where XXXX? was clueless as to why I was on the line. By then, I was as exhausted as you are reading this mess. XXXX said he would escalate ... maybe they'll get back in a few days, may next week, who knows. That leaves me here with the CFPB.I honestly feel like I missed another transfer. It was 30 plus minutes of torture.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I never had chase bank or XXXX XXXX it's on my credit and I am not able to open any accounts due to it .XXXX My wallet have been stolen like 4 times so I am guessing that's how the accounts was made
Company Response:
State: MO
Zip: 64130
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am filing this complaint due to Chases handling of unauthorized transactions made via XXXX from my account. The dispute process has not yielded a satisfactory outcome and appears to be inconsistent with the protections provided under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. The unauthorized transactions are detailed below : A transaction dated XX/XX/2023 for {$300.00}. A transaction dated XX/XX/2023 for {$320.00}. Two transactions dated XX/XX/2023, one for {$580.00} and another for {$1100.00}. The total amount disputed is {$2300.00}. Upon discovery of these transactions, I promptly reported them to Chase, categorically stating that I had not authorized these transfers. Contrary to my explicit denial of authorization, Chase concluded that the transactions were legitimate based on IP address and geolocation data matching my typical banking activity. I wish to highlight that this determination does not sufficiently rule out the possibility of fraudulent activity, where my personal banking information could have been compromised and used in a manner that mimics legitimate banking behavior. The nature and pattern of these transactions deviate significantly from my regular banking activities and, crucially, I have not received any benefit from these transactions, nor were they made with my knowledge or consent. Chase 's decision not to credit my account for the disputed amount during their investigation is a matter of concern and suggests non-compliance with Regulation E, which stipulates that consumers should not bear the burden of unauthorized transactions once properly reported. I urge the CFPB to facilitate a review of how Chase has handled this matter. Their response has been inadequate and dismissive of the substantial likelihood of fraudulent activity that has adversely affected my financial security. I am prepared to furnish any additional information or documentation that may be required to substantiate my claim. Thank you for your consideration and I anticipate a just and prompt resolution that upholds the consumer protection standards set forth by the EFTA and Regulation E.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Fraudster, the Company ) which involved me making deposits for a total amount of XXXX USD from my bank account to XXXX at the instructions of the scammers
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Loan was paid off in XX/XX/2023. I never received title or lien release letter. They said they sent it so I asked to receive a copy of it. They told me it would take XXXX days to receive. I spent over 2 hours on the phone with chase, escalating to supervisors. Was told first they do not keep copies of lien release letters, which is in violation of XXXX. Then told they would fax me a copy of the loan payoff letter, which does no good but I will take that. I was informed it would be faxed today. As of noon, no fax and no payoff letter. I can not sell this vehicle without lien release letter. Chase never released the lien. When I followed up with Chase auto to find out status of loan payoff letter, woman told me it would be faxed sometime today, even though I informed supervisor it was needed prior to XXXX XXXX I told the woman I was remaining on the phone until I received the letter. She hung up on me.
Company Response:
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A